Paul has been part of the Equifax team since 2006, during which time he has held a number of pivotal roles across our data, analytics and data science functions. Paul is responsible for Equfax’s data strategy and ensuring that our clients are able to optimise their business value and ensure good consumer outcomes through analytics.

Paul and his team provide a wealth of experience and analytical expertise to our clients, all aimed at helping Equifax customers achieve their business objectives. Paul possesses expert knowledge of CRA data and its use within both conventional credit risk and across non-standard applications of bureau data.

Paul has responsibility for UK analytical innovation, maximising the benefits of Equifax differentiated data assets and advanced analytics through Equifax Cloud technologies to deliver business growth.

Nilton Cardoso has over 25 years of experience in analytics, credit risk, and econometrics across financial institutions such as PRA Group, Metro Bank, Banco Santander, and FICO. With a Doctorate in Economics from Paris 1 - Panthéon - Sorbonne, he has a strong background in predictive modelling, regulatory compliance, and model governance. His expertise spans risk management, credit scoring, and advanced data strategies, emphasising innovative AI and machine learning applications.

Phillip is Director for Digital Technology and Innovation at UK Finance.  

He has a particular focus on how legislative and regulatory policy impacts digital transformation in finance and banking. He works across the digital transformation landscape on digital identity, AI, new digital money, tokenisation, open banking and data protection.  

His previous role focussed on influencing payments strategy and regulation in the UK. Phillip has a public policy background with previous roles at HM Treasury and in local government.

He currently sits on the FCA Innovation Advisory Group and Smart Data Council.

Kam is an experienced Analytics leader with 20+ years in the credit industry, with a significant wealth of experience in developing predictive models, credit and affordability strategy development and optimisation across the credit lifecycle; spanning across credit products including unsecured lending, mortgages, retail, auto, short term lending and telecommunications. Kam leads multi-disciplinary teams to deliver industry intelligence, analytics and consultancy to solve a broad range of business problems through the optimal application of data and analytics.

Before joining Equifax 17 years ago, Kam worked in analytics roles with both Santander and HMRC.