Strategic Planning & Business Transformation
At board level, he has led strategy development and implementation across major banking and finance organisations. His experience includes working with executive teams to define strategic direction, drive organisational transformation, and deliver cross-divisional performance improvements.
Peter combines blue-chip governance experience with strategic change expertise and entrepreneurial dynamism. His approach is characterised by:
Peter's experience makes him particularly valuable to financial institutions seeking to:
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The British Business Bank’s Enable schemes offer support for finance companies lending to SMEs, either by providing a guarantee for a portion of the credit loss the funder may suffer, or by providing access to institutional investors. The Enable Guarantee provided to finance companies offers the potential for enhanced risk management, improved capital efficiency (driving […]
We recently carried out a benchmarking survey of the service standards of asset finance lenders serving the broker market. The 20 responses we received represented 18% of the broker market, providing a valuable snapshot from some of the largest and most important brokers in the market. Relationships Matter Less, Relationship Management Is Essential One of […]
Some of the press headlines following the PRA announcement of Basel 3.1 near-final rules suggest that the changes are benign and straightforward, with largely unchanged capital requirements. If only life were that simple! Specifically thinking about the asset finance market, it was announced that for standardised banks, the feared removal of the SME Support Factor […]
Trade credit insurance is seldom used in asset finance (more so in invoice finance) but can play a valuable role by facilitating increased sales, reduced capital requirements and higher profitability, as well as mitigating downside risk either on a single large transaction (or customer) or at a portfolio level. Here are some ways you could […]
Discretionary commission is a hot topic for the financial regulator. Make sure you don’t fall foul of the new review into past practices. At a time when the car industry is settling back into more normal times, with new car production returning to pre-COVID levels, another bombshell has been dropped. On 11 January 2024, the […]
Navigate the Complex Landscape of Financial Growth and Efficiency In financial services, a challenging dichotomy exists: the aspiration for growth is often at odds with the limitations of existing resources and operational frameworks. This complex landscape demands a solution that can bridge the gap between expansion ambitions and the reality of operational constraints. Finativ Focus: […]
The start of the new year is a time when people often think about the year ahead. This year, I decided to ask a few industry friends for their thoughts on major trends and events that will help shape SME lending in 2024. Below are our combined observations - my sincere thanks go to Ylva […]
The motor trade has been through a rollercoaster of recent events, from Brexit to the pandemic and beyond. While these events have shaken many businesses, motor retailers have shown a surprising level of resilience. The spike in used-car profits helped many bounce back quickly despite the new challenges that came thick and fast. Now, as […]
After a lengthy period of much talk and little action, over recent months we have seen a material uplift in interest from finance companies and, indirectly, from OEMs in pay-per-use (PPU) funding structures for the asset finance market. The proposition for all stakeholders appears to be getting clearer and there are material developments in the […]
As companies look to reinvigorate used car financing, it’s time for a more personal approach to interest rates based on individual circumstances With the running costs of operating dealerships increasing in the last 18 months, retailers are focused on improving profit centres. One method that’s propped up revenue has been income from finance agreements. New […]
Background While we await the outcome of the PRA’s recent consultation period, the clock is ticking on the implementation of Basel 3.1 which will dictate the regulatory capital requirements for banks from January 2025. Implications will ripple disruptively through commercial finance markets, impacting the profitability of not just bank-owned lenders but also intermediary lenders who […]
In today's rapidly changing business landscape, flexibility is key. This is particularly true in the financial services industry, where businesses must navigate complex regulations, shifting market conditions, and emerging technologies. To meet these challenges head-on, many companies turn to non-executive directors (NEDs) for strategic advice and guidance. A non-executive director can provide valuable guidance, expertise, […]
Businesses need to be prepared for the FCA’s new Consumer Principle rules. But don’t be daunted because they can help you to retain customers By Peter Cottle | Originally published in the IMI MotorPro magazine In July earlier this year, the Financial Conduct Authority (FCA) announced the final details of a new Consumer Principle that […]
The internet of things (IoT) is not a new concept, but its growing proliferation means that it will become increasingly important for finance providers. The use of internet-enabled sensors embedded in the physical world of machinery, vehicles and across working environments (think smart offices and smart factories, for example) will quietly and, in some cases, radically […]
As the economic outlook drives increased pressure on finance companies to improve productivity and make the best decisions, specialist consulting and advisory firm Finativ has announced the appointment of two new consulting directors, Kevin Davies and Mark Stoddart. With over 20 years’ experience providing data strategy consultancy, Kevin Davies has held global and European […]
