Mike Gilding

Mike Gilding has extensive experience in credit risk management and analytics, currently serving as Operations Director at 4most since December 2015, overseeing projects focused on IFRS9, IRB, forecasting, and financial reporting. Prior roles include Associate Director and Head of Development for Insurance, as well as leading credit risk modeling projects across Asia, particularly in MFRS9 and IFRS9 for major banks. Earlier positions include Credit Risk Manager at Tandem Bank, UK Credit Risk Manager at Klarna, and Risk Analysis Consultant at 4most Europe Ltd, along with senior analytical roles at Santander Cards UK and Lloyds Banking Group. Mike Gilding earned a 2:1 degree in MChem Chemistry from the University of Bath.