James Penney

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.