1. CURRICULUM VITAE
PERSONAL DETAILS
NAME: Michelle MacBain
ADDRESS: 3 Foulden Place, Dunfermline, Fife, KY12 7TQ
TELEPHONE: 01383 279343
MOBILE: 07753 708928
EMAIL Michellemacbain@yahoo.co.uk
WORK EMAIL Michelle.macbain@Sainsburysbank.co.uk
DATE of BIRTH: 09 January 1975
EDUCATION DETAILS
School: 1987-92 Queen Anne High School, Dunfermline
4 Highers; 7 O Levels
Computer Skills: Extensive SAS/SQL skills
Advanced Knowledge and experience of complete
range of MS Office products.
SPSS Showcase, Debt Manager
Additional Qualifications AILSM (Associate Institute Leadership &
Management)
EMPLOYMENT DETAILS
Summary of Employment
22 Years’ experience within the banking industry, with over 13 years of extensive data analysis and
report building. Proficient in SAS and SQL programming to extract, manipulate, analyse and report
data. Also expert in Microsoft Office and create reporting outputs using various Microsoft Office
applications.
Excellent strategic and managerial skills within a Collections and Recoveries environment covering
both secured and unsecured portfolios with extensive technical knowledge of Debt Manager
systems used.
Excellent knowledge of strategic processes and Credit Risk policies within Collections and
Recoveries.
Recently working on the New Bank Migration project for Sainsbury’s Bank including data mapping,
data cleansing & profiling. Input into the design of new processes and strategies for Collections &
Recoveries within the Target Operating Model and responsible for collating new process flows,
reconciliation requirements and MI reporting requirements.
Ability to drive forward change and develop / mentor staff to their full potential. Developed
excellent working relationships with colleagues across various teams and sites and am the main
point of contact for all reporting and analytical requirements within my current team.

2. Sainsburys Bank
Position Held Contractor – Data Analyst for New Bank Programme
July 2014- Current time
Responsibilities/Activities
• Using SAS, responsible for the analysis of Credit Risk Loan decline and referral
policy rules for the Sainsburys New Bank Programme and making
recommendations on the value of these policy rules based on analysis.
• Review and analysis on external bureau data and bureau retro data in
conjunction with Credit Risk Scoring models to support the Credit Risk Card
team and making recommendations on “Good” versus “Bad” behaviour
scorings.
• Provided insight / feedback at various migration system data mapping
workshops for Loans, Card and rescheduled products from current host systems
(Base 2000, FTC, Cardpac, CACS, FBS and Debt Manager V4.1) to New Bank
target systems (Base 2000, Profile and Debt Manager V9) and ensured that all
critical data fields were captured and mapped over.
• Assisted in the design of Collections & Recoveries policies and strategies
including trigger points for the New Bank Target Operating Model.
• Input into various system interface workshops with third party suppliers to
ensure the correct transfer of data and account rules including a number of
operational directives and cycle entry points.
• Collated all Collection and Recoveries MI reporting requirements & Credit Risk
(Cards & Loans) reporting requirements for New Bank and responsible for
feeding requirements into the appropriate workstreams.
• Responsible for the collation / production of a Collections & Recoveries
Migration/ New Bank Requirement document capturing all business and system
requirements.
• Undertook a reporting gap analysis piece and made recommendations for a
whole suite of reporting required for Collections & Recoveries in the New Bank
programme. This will help to drive the Collections and Recoveries business and
strategies forward. Reports included Third Party Governance & Assurance
reporting, internal Compliance reporting and regulatory exception reporting.
• Performed “deep dive” analysis on the Recoveries portfolio to assist with data
cleansing prior to migration of accounts to the new target systems. Through this
analysis, identified numerous accounts which are on incorrect strategies, work
flow routers and internal status codes. Presented findings and provided full
commentary / feedback to the Recoveries Manager.
• Collated reconciliation requirements for Collections & Recoveries across all
required systems for the New Bank programme. Attended various workshops
and challenged back to third parties involved to ensure all critical data fields for
Collections and Recoveries were captured.
• Responsible for reviewing various business critical documents including Target
Operating Model, System Functional Specifications (Base 2000 & Profile),
Interface documents, Business Requirements documents and fed back any
comments in a professional and constructive manner.
Lloyds Banking Group
Position Held Manager, Reporting Demand & Control Team
November 2013- July 2014
Responsibilities/Activities
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3. • Responsible for all regular SAS exception reporting within the Reporting
Demand and Control (RD&C) team including running of code and producing /
reviewing data outputs.
• Main point of contact for all new routine and adhoc analytical and reporting
requests within the RD&C team.
• Responsible for building a suite of exception reporting in SAS to evidence
business strategies are aligned and compliant to Credit Risk policies.
• Implemented a quality checking process within the team to ensure the accuracy
and efficiency of SAS coding, data analysis and reporting outputs.
• Managing a team of eight staff with varying skills and capabilities across
multiple sites including SAS programming, analytical skills and presentation of
outputs.
• Mentoring and training of team members in SAS, SQL and Microsoft Tools,
along with coaching on data structures and strategies within Collections &
Recoveries.
• Responsible for overseeing the production of a new performance pack for the
Senior Leadership team using various different data sources and ensuring pack
is of a high and professional standard and tailored to its audience.
• Oversee the production of the Risk Profile report for the whole of the Strategy
Management team including monthly meetings with the wider team to ensure a
fair representation across each area. Also reviewing the profiles in conjunction
with the Business Risk Partners and actively making recommendations /
challenging back where necessary.
• Responsible for setting up and ongoing maintenance of a new Sharepoint site
for the RD&C team including designing a new work request process and
template.
Position Held Manager, Process and Compliance Team
November 2012- November 2013
Responsibilities/Activities
• Responsible for all BAU reporting including collating and analysing SAS data
outputs to produce a monthly Compliance report.
• Production of a monthly system reconciliations including running host system
data extracts against Collections & Recoveries Debt Manager systems via SAS
and analysing / reviewing SAS outputs.
• Collating various data outputs and undertaking root cause analysis on
complaints reporting.
• Collate, coordinate and manage all SAS data outputs to produce an overall LBG
view of reporting as part of Project Verde.
• Driving team efficiencies by developing and implementing initiatives within the
team to allow staff to manage their time / tasks more efficiently.
• Setting up a governance control process for Secured Operation in conjunction
with Credit Risk to ensure agents are compliant with Credit Risk policies.
• Excellent stakeholder management skills and built / developed relationships
with piers and more senior staff.
• Coaching and training of team members to mitigate against single points of
failure.
• Display of excellent time management and prioritisation skills.
• Excellent problem solving skills.
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4. Position Held Senior Analyst / Manager
May 2004 - November 2012
Responsibilities/Activities
• Responsible for all production and adhoc MI for Retail Recoveries using SAS to
extracts, manipulate and output data from various different data sources
including server and mainframe files.
• Implementing a quality checking process to ensure all SAS coding, analysis and
outputs were validated and reconciled.
• Created a forecasting model for cash collected. Using SAS to extract and
summarise data then applying the chain ladder methodology to forecast figures.
• Creating high profile Debt Sale files for HBOS accounts including Joint Venture
and Sainsbury products extracting data from a number of different data sources
and compiling Debt Sale extract files with required data fields.
• Replicated the Recoveries Credit Risk provisioning model from data held within
the Debt Manager system.
• Challenging existing processes, recommending and implementing changes for
streamlining and efficiencies with all reporting.
• Ensuring all SAS code / reporting is documented with full procedures in place.
• Mentoring, guiding, coaching and training of team members in SAS and Debt
Manager. Also responsible for creating a number of bespoke SAS presentations
to assist in the training of staff within the team.
• Responsible for the production of the UK & US versions of the Auriema
benchmarking returns.
Position Held MI & Analysis Analyst
June 2002 – May 2004
Responsibilities/Activities
• Various analysis using a number of different analytical tools including SAS,
SPSS Showcase and Debt Manager query language, to extract and analyse
data from Debt Manager.
Position Held DMS - Recoveries
June 1997 – June 2002
Responsibilities/Activities
• Various roles from Helpline collector to Team Manager
Position Held Stirling & Glenrothes Branch
Dec 1992 June 1997
Responsibilities/Activities
• Head teller and various ledger duties.
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5. TRAINING UNDERTAKEN
• SAS Programme Essentials - SAS Institute.
• SAS Enterprise Guide - SAS Institute.
• Internal technical courses on Access, Excel, Debt Manager SQL language and
Showcase.
• Internal PD Courses on Problem Solving, Assertiveness, Leadership Skills,
Insights.
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6. TRAINING UNDERTAKEN
• SAS Programme Essentials - SAS Institute.
• SAS Enterprise Guide - SAS Institute.
• Internal technical courses on Access, Excel, Debt Manager SQL language and
Showcase.
• Internal PD Courses on Problem Solving, Assertiveness, Leadership Skills,
Insights.
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