Sherie Marshall
Frankston South
Summary
I am a Credit professional with 14 years’ experience spanning the credit lifecycle across Consumer Cards, Overdrafts and Personal Loans. Specialising in credit acquisition strategies, I am results focused and have a proven track record of optimising portfolio risk and reward. 19 years financial services experience has provided me with excellent business acumen demonstrable through a keen appreciation of the customer, regulatory environment and the requirements of stakeholders.
Overview
18
18
years of professional experience
Work History
Manager - Acquisitions, Unsecured CPM
NAB
01.2019 - Current
- Led cross-functional teams to enhance operational workflows and achieve strategic objectives.
- Implemented process improvements that increased efficiency and reduced operational costs.
- Developed and executed training programs for new team members, fostering skill development and performance excellence.
- Analyzed performance metrics to identify trends and recommend actionable strategies for improvement.
- Cultivated relationships with stakeholders to align departmental goals with organizational objectives.
- Mentored junior managers, promoting leadership skills and enhancing team collaboration.
- Managed project timelines and resources to ensure successful completion of key initiatives.
Credit Risk Manager, Consumer Card Acquisitions
NAB
10.2017 - 12.2018
- · Implemented serviceability and verification changes to strengthen the banks responsible lending position in response to the ASIC Credit Card Reforms.
- · Development of day 1 Comprehensive Credit Reporting Strategies across both Credit Card and Personal Loans portfolios
- · Uplifted the banks Risk Settings for the Credit Cards product which immediately highlighted areas of the portfolio that required action
- · Identification and remediation of fraud incidence on new Credit Card products
- · Completed a 3 month secondment into a Senior Manager role of Strategic Initiatives
- · Management of 4 direct reports, successfully onboarded 3 new starters across 2 portfolios
Credit Risk Manager, Personal Loans
NAB
01.2016 - 10.2017
- · Developed the credit risk setting framework to facilitate the future roll out of risk based pricing strategies.
- · Designed and piloted risk based pricing strategies on the Personal Loan portfolio which increased the approval volumes.
- · Rebuilt the new to bank strategies for Personal Loans allowing the bank to re-enter this segment and remain within risk appetite.
- · Introduced new credit risk rules that resulted in significant improvements in asset quality and vintage performance.
- · Created a forecasting methodology and associated reporting to facilitate early life performance review of scorecard strategies which is used by management to drive strategy
Senior Credit Risk Analyst, Cards & Personal Loans
NAB
12.2013 - 01.2016
- Coordinated the response to the 2015 ASIC RG209 responsible lending analytical review, quantifying impacted strategies across verification, serviceability, scalability and sensitivity
- Provided a series of recommendations for the update and revision of serviceability and verification strategies including the use of benchmark living expenses and the derivation affordability rates removing potential regulatory gaps.
- ·Migration of the Cross Sell strategy to an auditable platform with a revised score model and strategy approach to improve customer experience and minimise type II errors
- · Developed and implemented new scorecard strategy with revised segmentation and cut-offs in readiness for Comprehensive Reporting
Credit Risk Analyst - TA/OD & Personal Loans
NAB
11.2011 - 12.2013
- Test lead and facilitator for the Overdraft and Personal Loan system migration/upgrade of acquisition strategies
- Doubled the volume of accounts eligible for Personal Loan cross sell
- Returned write-offs within risk appetite through score cut-off review and implementation
Credit Associate - Business Banking
NAB
03.2010 - 12.2011
Business Analyst, Property Finance
Westpac New Zealand
01.2008 - 01.2009
Education
Bachelor of Business Studies - Finance -
Massey University
Palmerston North, New Zealand01-2005
Leadership Programs
NAB
Career Qualified in Banking
FINSIA
Skills
- Excellent leadership skills, 10 years experience, building shared values and facilitating team cohesion
- Stakeholder management skills, the ability to influence key stakeholders to enact change
- Creation and deployment of effective Credit Risk strategies
- Ability to optimise strategies within a changing regulatory environment
- Highly numerate with a strategic focus and an eye for detail
- Strong business acumen with the ability to tailor analytical information at the relevant level for stakeholders
Timeline
Manager - Acquisitions, Unsecured CPM
NAB
01.2019 - Current
Credit Risk Manager, Consumer Card Acquisitions
NAB
10.2017 - 12.2018
Credit Risk Manager, Personal Loans
NAB
01.2016 - 10.2017
Senior Credit Risk Analyst, Cards & Personal Loans
NAB
12.2013 - 01.2016
Credit Risk Analyst - TA/OD & Personal Loans
NAB
11.2011 - 12.2013
Credit Associate - Business Banking
NAB
03.2010 - 12.2011
Business Analyst, Property Finance
Westpac New Zealand
01.2008 - 01.2009
Bachelor of Business Studies - Finance -
Massey University
Leadership Programs
NAB
Career Qualified in Banking
FINSIA
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