Craig Morrow has extensive experience in analytics, data science, and risk management within the banking and financial sectors. Currently, at Atom bank since April 2015, Craig has held multiple senior roles, including Head of IRB Implementation, Head of Analytics and Data Science, Head of Data & Analytics, and Head of Analytics. Prior to this, Craig served as Senior Manager - Retail Model Approval at Lloyds Banking Group from November 2012 to April 2015 and held the position of Senior Manager, Credit Risk Infrastructure and Insight at HSBC from July 2010 to October 2012. Craig's career began at first direct, where a variety of roles spanned from Head of Risk Analytics and Decision Management to Statistical Analysis Manager. Early experience included a position as Senior OR Analyst at HM Revenue & Customs. Craig holds an MSc in Engineering Maths from Newcastle University and a BSc in Mathematics & Statistics from the University of Leeds.