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Our Team

Bringing together decades of experience

Paul Matthews

Paul Matthews 1

Paul’s expertise encompasses the development of analytical tools such as scorecards, predictive models and valuations for all areas of customer behaviour and credit risk across the breadth of secured and unsecured products. Paul has overseen business-focussed solution design and delivery for a wide range of clients.

Earlier in his career, Paul was a Director at Euristix and previously worked as a consultant at Experian, which he joined after completion of a PhD in Probability and Statistical Modelling at the University of Warwick.

Richard Pinch

Richard Pinch 1

Richard is an expert in retail financial services analytics, forecasting and finance covering the entire credit risk cycle. He has built solutions for a range of clients including banks, lenders, debt purchasers and private equity firms.

Prior to founding Vestigo, Richard worked on portfolio management within the retail banking team at Barclays before joining Euristix, where as a Director, he had responsibility for leading project teams in portfolio review, forecasting and pricing across a diverse range of lending products.

Tom Cuppello

Associate Partner
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Tom has over 12 years’ experience in credit risk consultancy, data analytics and financial due diligence. At Vestigo, Tom is responsible for leading projects spanning the credit risk cycle on many products, including unsecured lending, credit cards, mortgages and non-performing loans.

Before Vestigo, Tom worked from Analyst to Senior Consultant at Euristix, as well as contracting at a leading alternative lender. Tom previously obtained a BSc in Mathematics, Statistics and Operational Research from the University of Manchester.

Matthew Dale

Associate Partner
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Matthew has specialist knowledge in financial modelling, scorecard building and benchmarking, having undertaken and led a number of projects in these areas. At Vestigo, Matthew works closely with client stakeholders, with recent experience including capital and impairment forecasting for a UK bank.

Matthew obtained a BSc in Mathematics from the University of Nottingham, after which he joined Euristix, in 2010, progressing to Senior Consultant with responsibility for managing projects for a wide variety of clients.

Ronald Yeung

Managing Consultant
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Ronald specialises in quantitative model development such as probability of default, loss given default and cash flow forecasting. Ronald acts as project lead on a variety of engagements, including portfolio pricing for a leading debt purchaser.

Ronald began his career in 2010 as an Analyst at Allied Irish Bank and Equifax, and more recently as a Consultant at Euristix. Ronald holds an MSc in Management from Imperial College Business School and a BSc in Mathematics, Operational Research, Statistics and Economics from the University of Warwick.

Harry Charalambous

Senior Consultant
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Harry has vast experience across consumer and SME lending. More recently, Harry has gained in-depth knowledge collaborating closely with key clients in the unsecured lending space developing comprehensive risk solutions, particularly in acquisition and underwriting.

Natasha Conradi

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Natasha focuses on developing innovative modelling solutions at Vestigo, using advanced techniques to produce valuable insight for our clients. In particular, Natasha has strong experience working with clients in secured lending, helping them to improve their risk decisioning processes.

Alexandra Couzens

Alex Couzens 1

At Vestigo, Alexandra is an expert in bureau data, and has extensive knowledge working with underwriting decision engines. Alexandra’s recent experience includes acquisition strategy development for a new credit card product, and decision engine maintenance for an unsecured lender.

Joe Slaven

Joe Slaven 1

Joe has worked with a variety of different lending products at Vestigo, utilising his strong technical skills to support our clients on modelling and analytics projects across credit risk, fraud and commercial analytics.

Experienced risk and analytics consultancy

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Building analytical solutions that are focused on your real-world objectives

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