Robert is an Associate Director in the credit risk team in Deloitte’s Audit and Assurance practice having joined the firm in 2023. He is a credit risk professional with industry and consultancy experience across regulatory impairment quantification, strategic and regulatory model development, lending strategy enhancement and governance and policy frameworks. He has practical experience across retail, business banking, commercial and corporate portfolios and has led large scale transformational change in the provisioning for the Covid government support loan schemes.