4most
James Penney is a seasoned consultant currently at 4most since January 2024, bringing extensive experience in risk data and credit risk management. Prior positions include Manager at PwC, Senior Risk Data and MI Manager at Virgin Money, and various roles at Yorkshire Bank, culminating in a Senior Manager title in the Independent Validation Unit. With a strong background in financial modeling and risk analysis, James has led significant projects, coached junior analysts, and contributed to model performance assessments. Additionally, James started in the workforce as a Bar/Catering Assistant at Sheffield Students' Union while earning a Geography and Mathematics degree from The University of Sheffield.
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4most
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4most is a global specialist risk analytics consultancy. We work with clients ranging from challenger banks to world-leading international financial institutions to design, build and implement regulatory, non-regulatory, and pricing solutions in the credit and actuarial risk market. Learn more about how we help our clients - https://www.4-most.co.uk/.