Lizzie Reed

Lizzie Reed is the Head of Credit Strategy, Consumer Lending, at Chase UK; and is responsible for designing credit risk strategies and required credit risk mandates across the customer life-cycle for the launch of Lending in the UK. Plus, the development of the credit risk governance, including authoritative documentation, as well as designing the associated process and controls across both 1LOD and 2LOD.

Prior to joining JPMorgan Chase in September 2019, Lizzie was Head of Customer Underwriting at NewDay and was responsible for managing customer underwriting strategy design, approval, performance monitoring and quality control monitoring for NewDay’s credit card business, working closely with Commercial, Treasury and Operations teams. Lizzie also held the role of Head of Credit and Financial Risk Oversight at NewDay; responsible for providing independent challenge and assurance to Board, Executive Committee, and risk management first line functions on key sources of credit and financial risk,

Previous to the work at NewDay, Lizzie spent some time at Fico, where she was Product Management Director for Fico Scores (International); where she delivered scoring solutions across several countries, including South Africa, Saudi, Qatar, Romania, UK, in partnership with local bureaus; that were tailored to bureau maturity, infrastructure, consumer profiles, and regulation.

Lizzie also spent 10 years with American Express and held various credit risk roles across consumer and small business services, most recently as Director of Risk Management supporting the wider EMEA Amex Issuer and Acquirer partner network with custom consulting and risk management solutions, which included travelling to Nairobi to support the launch of American Express cards in Kenya; hosting forums on corporate payment risk management; strengthening partner fraud controls by leading the regional rollout of American Express’s network authorisation service. Lizzie also worked as Director UK Underwriting and New Product Development following the global financial crisis, responsible for setting credit strategy to a new normal and strengthening data capabilities for optimised decisioning. Prior to this role, Lizzie held the role of Director Business Planning to the International Chief Credit Officer, during the global financial crisis, and was extensively involved in supporting the execution of the International Risk Economic Downturn plans in all major lending markets.

Lizzie started her career at Visa Europe, and supported the roll out of a Visa issuer fraud detection system across the region; while also running issuer fraud operating regulation compliance programmes and producing and maintaining fraud MI reports.

Lizzie earned an MSc in Business Economics from UMIST and a BSc in Economics and Marketing from Lancaster University.