Regulatory change and its impact on balance sheet volatility


Regulatory change and its impact on balance sheet volatility

Wednesday 10 February, 11am GMT

Webinar Agenda:

Join and hear from industry professionals as they discuss key discussion points including:

  • Impairment provisioning and the impact of COVID 19 on risk measurement practices and regulatory response
  • Negative Interest rates and the impact of COVID 19 on the technical execution of business processes, customer savings behaviour and liquidity
  • Credit Decisioning and the impact of COVID 19 on go forward lending strategy


Miles Elliott - SAS Webinar

Miles Elliot
Risk Management Customer Advisory Lead

George Lennox - SAS

George Lennox
Director & Founder
George Lennox Consultancy Limited

Hugo Assaga

Hugo Assagra
Head of Portfolio Credit Risk
Bank of Ireland UK

Suresh Sankaran

Suresh Sankaran
Head of Risk Governance
Metro Bank


Miles has over 20 years of Financial Services experience in Risk Management spanning the 1st, 2nd and 3rd lines of defence, acquired through serving multiple Banking Groups, across both UK and International jurisdictions.  Miles’ Financial Services career began back in the late 90’s where he developed Santander’s first House Price Index and used it to index the Banks Mortgage collateral for the purpose of determining Impairment, Capital and granting Further Advances to Customers.  After Santander and before, during and after the last Financial crisis Miles was Head of Decisioning at Barclaycard and recognised as leading the turnaround in the Bank’s Bad Debt position.  After leaving Barclays at the end of 2012 as its Head of Impairment, Forecasting & Stress Testing for their Western Europe Business, Miles began a period with The Cooperative Bank where he was recognised as being instrumental in stabilising the Banks Bad Debt position and enhancing its ability to model, determine and govern Impairment.  After several years as a Consulting Director for an International Systems Integrator Miles joined SAS towards the end of 2019 as our Practice Lead for Risk Management Advisory supporting UK & Ireland based clients.


George worked for HSBC for more than 40 years in London, Dubai and Hong Kong. He was responsible for setting up HSBC’s Risk analytics centres in India and China. He also served as the Group Head of Retail Risk, Group Head of Decisioning and Head of Underwriting in Asia before retiring to form his own consultancy business. More recently George has helped to set up the HSBC University where he wrote some of the lending courses.


* Influential and internationally-minded banking professional with 15+ years of experience in the banking sector;
* Strong leadership skills, focused on people development and value adding through building relationships;
* Vast Credit Risk and Financial knowledge with strong analytical skills;
* Appointed by the Executive Committee members of HSBC to the talent pool in 2011.
* HSBC`s Next Generation Development Programme alumni;


Suresh provides niche consulting services through his organization to central banks and regulators around the globe.

Prior to this, Suresh assumed the role of Principal Risk Officer aof Kamakura Corporation in 2014. He provided Enterprise Risk Management (ERM) and Basel III software and advisory consulting services to its clients worldwide. He re-joined Kamakura Corporation from the International Finance Corporation (IFC), the private sector arm of the World Bank Group, where he was Principal Operations Officer responsible for the development of risk management practices in the financial services sector in emerging markets.

Prior to this, he was Vice-President & Director, Strategic Consulting Services, at Fiserv, and was responsible for consulting development.

Suresh has advised clients on customer behaviour modelling on retail banking products like mortgages for prepayments, and non-determinant deposits for early withdrawal. He has assisted several leading retail banks around the globe in the production of customer behaviour estimates to analyse their balance sheet mismatches.

Suresh is a featured speaker in the workshops and seminars organized by the Financial Stability Institute, a division of the Bank for International Settlements (BIS).

He has authored several papers on liquidity management and alternative methods of liquidity measurement.

Suresh is a Fellow of the Institute of Chartered Accountants. He holds a bachelor’s degree in Commerce. His interests include P G Wodehouse, skydiving, and Indian classical music.

Specialties: Banking and financial services
Balance Sheet Management
Liquidity Management
Asset Management
Insurance Services
Risk Analytics and risk consulting
Market risk, credit risk, ALM, regulatory compliance
Credit portfolio management

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