Mike has policy responsibility for commercial finance, which covers the corporate and SME markets. This includes engagement with government, regulators and key market stakeholders on access to finance, enhanced customer protection, serving customers better, supporting the economy and competitiveness.

Prior to UK Finance, he gained over 35 years’ experience in the banking industry at HSBC, in branch, regional and head office roles, including retail and commercial banking, marketing, strategic planning and implementation, e-commerce. He led on SME, commercial and corporate banking policy issues including the Business Finance Taskforce. At HSBC, he completed secondments with the London Enterprise Agency and HM Treasury. Mike has a degree in Economics and is an associate of the Chartered Institute of Bankers.

Nick leads Experian’s consulting team in the UK and brings over 20 years of experience in Commercial Lending. Nick brings hands on experience in customer onboarding and management enabling him to help clients drive growth while manage costs and meet their regulatory requirements. During his career Nick has advised and supported clients in the UK, Europe and Africa in a wide range of areas such as: Market Insight, design decisioning platforms, streamlining business processes, credit strategy, affordability, financial crime and use of predictive data to name a few.

In his 11^th year at Experian and with over 20 years of experience in credit risk technology, data analytics, and business insight roles, Mark currently specialises in delivering insight on small business credit risk and SME borrowing trends. Mark's extensive experience extends across both commercial and consumer credit risk, and he has delivered insight and data solutions to clients across these markets.