Steven Finlay, HML

Steven Finlay Head of Analytics at HML.

Steven is a data scientist with more than 20 years’ experience of developing practical “value add” solutions in large scale data environments. He holds a PhD in predictive analytics and is an honorary research fellow at Lancaster University in the UK.

To earn a living, Steven is Head of Analytics at HML, the UKs largest provider of mortgage servicing solutions.
Prior to working for HML, he spent several years advising the UK government on the application of predictive analytics, with particular emphasis on overcoming cultural barriers to using predictive analytics within automated decision making systems. Before that, Steven worked for the credit reference agency Experian, managing their UK Analytics Team and leading on the design of Experian’s Predictive Analytics software.

Steven has published a number of practically focused books about predictive analytics and financial services. His most recent books include:
• Finlay, S. (2014). Predictive Analytics, Data Mining and Big Data. Myths. Misconceptions and Methods. Palgrave Macmillan.
• Finlay, S. (2012). Credit Scoring, Response Modeling and Insurance rating. A Practical Guide to Forecasting Consumer Behavior. Palgrave Macmillan.
• Finlay, S. (2010). The Management of Consumer Credit. Theory and Practice. Palgrave Macmillan.