Matthew Dale

Background

About Matthew Dale

Founder and Principal of Vestigo Partners, a credit risk and data analytics company. Following graduation from the University of Nottingham with a First degree in Mathematics, I have worked as a consultant to lenders, banks, Credit Unions, debt purchasers, DCAs and private equity firms/investors. 10 years' experience working across secured and unsecured products in both the UK and Europe; using multiple analytical tools/languages in combination with modelling techniques such as logistic regression and Machine Learning/AI Algorithms. • Portfolio Valuations/Due Diligence: Expert operational review, portfolio trend analysis, cash and financial modelling (performing and non-performing) • Application: Policy design, customer affordability modelling, application scorecard development and monitoring • Portfolio Management: Design, implementation and automation of portfolio quality reporting, IFRS9 provisioning model build, scorecard builds • Collections & Recoveries: Operation and strategy review, collections/propensity to pay/propensity to trace scorecard builds, Debt Purchase pricing model builds • Data analytics: Employee survey analysis, predictive business performance analysis, HR monitoring and reporting, SLA KPI reporting,