Steve Finlay
Lead Data Science Consultant
Steve is one of the UK's leading data scientists.
With over 25 years’ experience of providing analytical solutions to the financial services industry, he specialises in predictive analytics and its application within Big Data environments.
Previously, Steve worked at Computershare Loan Services as Head of Analytics, The Co-Operative Bank as Senior Manager for Risk Models, HMRC as a predictive analytics consultant and earned a PhD in Management Science from Lancaster University. He has written several academic and business books. The new edition of his latest book, “Artificial Intelligence and Machine Learning for Business: A No-Nonsense Guide to Data Driven Technologies” was published last year.
FCA CP 26/7 and CRA reform: How will it impact credit risk models
CP26/7 makes multi-bureau credit reporting mandatory. Here's what credit risk teams should check now, before it changes who your models approve and decline.
Hybrid case-based reasoning for better underwriting decisions
How machine learning and generative AI improve manual underwriting through better case selection, decision support and consistency.
Geopolitical shocks and credit risk: Are your models ready?
How geopolitical realignment challenges credit risk forecasting. Lessons from climate risk modelling and the 2025 BCST for UK banks and risk teams.
Smarter risk to unlock growth: turning regulatory intent into practical action
Re-evaluating loss forecasting: Why affordability could be the missing link
Re-thinking loss forecasting: Steven Finlay shares why affordability is the key to linking macroeconomics with customer outcomes.
AI risk modelling: Regulatory compliance and ethical considerations
Understand the key regulatory considerations and ethics when leveraging AI for risk modelling.
Model Risk Management in an AI-Driven World [SS1/23]
Nearly all AI-driven applications are based on a type of mathematic model - so it's unsurprising that AI-related risk and model-related risk are invariably linked. Examining the Bank of England's supervisory statement on model risk management, Steve Finlay unpacks how firms, in an AI-driven world, can respond to the five principles outlined.
2024: What's next in AI?
As we reflect on the progress of 2023 and gaze into the future of 2024, the potential for AI's impact, especially in financial services and credit risk management, is immense.
Repairs, Maintenance and Tenant Safety: Is the AI Opportunity Being Missed?
The pressure on the housing sector to improve tenant well-being, specifically in repairs and maintenance, is unprecedented, despite rent increase caps and rising material/labour costs. In this article, Steve Finlay explores the untapped potential in AI technologies, particularly in predictive maintenance, that could transform the sector.