Martyn Mascord- Credit Risk & Analytics Specialist

Seasoned professional with 15+ years of experience specialising in credit risk, affordability assessment, and data analytics across financial services.

Open to permanent or contract roles in credit, analytics, product or data strategy – remote or hybrid (North West UK-based).

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Technical Expertise

SQL & Database Platforms

BigQuery, Spark, Athena, Azure SQL, Cosmos, Netezza, Microsoft SQL Server and Teradata.

15+ years writing production SQL across platforms for analysis, dashboards and decision systems.

Cloud Platforms

GCP (BigQuery, Google Storage, Data Studio),

AWS (Athena, S3, Glue, QuickSight),

Azure (Azure SQL, Cosmos),

Salesforce and Databricks.

Data Visualisation

Looker, Power BI, Data Studio and QuickSight.

Built dashboards for underwriting, collections and AML, turning raw data into operational insight.

Domain Expertise

Credit Risk & Affordability

Deep expertise in credit risk modelling, affordability assessment and responsible lending practices. Specialist knowledge of credit reference agency data.

Regulatory Compliance

Comprehensive understanding of FCA CONC, SCOR PoR, GDPR, CCA and Consumer Duty regulations, ensuring robust compliance frameworks.

Market Knowledge

Specialist in HCSTC, BNPL, and green energy leasing markets with experience implementing solutions across diverse financial services.

Model Building Experience

I’ve built predictive models across marketing, collections, and credit risk using a mix of statistical and machine learning techniques. Tools used include Python, R, SAS, Weka, Logical Glue, and DataRobot.

Marketing Propensity Models

NBrown

Built logistic regression, decision trees & neural networks in SAS
Focus: Propensity to buy and customer targeting

Collections Strategy Models

Arrow Global

Used R and Weka to build:

Logistic regression, decision trees & neural networks for propensity to pay and value of payment
A rules-based tracing model to predict correct address likelihood

Integrated CRA and public data across a large, noisy portfolio

Credit Risk & Affordability Models

Auden

Led development of credit risk, affordability & appropriateness models across HCSTC loans

Used R, Python, Weka, Logical Glue & DataRobot
Created thousands of features for ML
Led the transition to automated model deployment

Credit Strategy & Model Oversight

Riverty

Commissioned Experian to build a custom credit risk model
Defined target variable & sample design
Oversaw development, validation & deployment readiness

Hometree Finance

Refined a rules-based underwriting model
Introduced affordability logic & enhanced credit decisioning policy

Achievements

74%

Increase in Approval Rate

At Hometree, rebuilt credit & affordability strategy — boosting approval rate from 46% to 80% (a 74% relative uplift) without compromising credit quality.

1M+

Loans Modelled

At Auden, developed a proprietary retrospective dataset of over one million HCSTC loans with over 10k features used to build ML models for risk, affordability, and appropriateness.

£Multi-Million

Solutions Delivered

At Experian, led delivery of the Mini Bureau product for major debt purchasers, managing multiple migrations and client onboarding worth £1m+ each.

Leadership & Ownership

I’ve consistently taken the lead on credit strategy, model development, and data-driven decisioning. That includes building functions from scratch, mentoring junior analysts, and owning risk policy as a sole contributor.

At Auden, I grew the credit risk and analytics capability from the ground up, building a team of six data scientists and two analysts. I led all aspects of the work throughout, from hands-on model development to shaping team direction.

At NBrown and Experian, I supported and mentored junior analysts, helping them develop skills in SQL, SAS and problem-solving. At Arrow Global, I stepped into a leadership role within a flat team structure, taking ownership of modelling strategy and credit bureau data.

More recently, I have been the sole credit risk lead at both Riverty and Hometree, responsible for credit strategy, affordability, and regulatory alignment.

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