I led the design and rollout of integrated pricing tools covering lending, deposits and payments for a major UK commercial bank. The platform embedded relationship pricing, client value, RoRWA and capital consumption directly into the frontline journey, replacing fragmented product-by-product tools. I worked across Risk, Finance, Coverage and Product to get buy-in, simplify the RM experience, and turn pricing from a back-office process into something usable in every client conversation.
For a global commercial bank, I developed an insight layer that sat on top of existing pricing and portfolio data and pushed clear, actionable signals straight to RMs. It highlighted where to reprice, where to defend margin, and where to walk away – with deal-level guidance, not theory. That data-led approach helped shift negotiations from instinct to evidence and delivered around +15bps uplift on targeted books, translating into tens of millions of additional annual revenue.
A long-standing problem in one bank was that hurdle rates had quietly become “the price.” I overhauled the pricing framework and governance so that decisions were anchored in client value, risk and capital, not just a single return number. I introduced clear corridors, escalation paths, and transparent trade-offs so RMs, approvers and product teams were all working off the same logic. The result was fewer low-value deals creeping through, better consistency across regions, and a noticeable shift away from “what’s the minimum I can get away with?” pricing.
In my capital management role, I helped international banks in Asia and the Middle East free up scarce balance sheet by using the full toolset of the regulatory framework. That included optimising effective maturity, applying small firm-size adjustments, tightening exposure structures and creating a consistent global approach to low-return clients. The work delivered tangible RWA reductions, improved RoRWA, and allowed those banks to redeploy capital into higher-return, strategically important clients.while we handle the complexities of your financial operations. Whether you are navigating financial planning, cash flow management, or capital allocation, our Fractional CFO service provides you with the guidance you need to make informed decisions. We become an integral part of your team, ensuring that your financial goals align with your business objectives, ultimately leading to sustainable growth and improved commercial outcomes.
As fractional CFO to a high-growth audio tech startup, I built the financial model, pricing architecture and funding story needed to support their next investment round. I worked with the founders on unit economics, margin structure, cash runway, and scenarios for scaling production and sales. I also helped prepare investor materials and answer the hard questions on returns, risk and capital needs – giving the team a credible financial backbone to underpin their funding discussions.