7/13/2021 Future earnings model and future of loans 

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Pierre Decote has more than 15 years’ tenure in the financial services industry. Previously at two large Global banks, he developed
financial models for product optimisation, ran a deposits book and headed all aspects of credit risk and analytics functions. Pierre
worked on a multitude of portfolios, ranging from UK credit cards to Scandinavian loans via car financing, gaining a wide variety of
cross-geographies and cross-product credit knowledge. More recently, Pierre was part of the senior team that obtained a full FCA and
PRA banking licence in the UK for a challenger bank. When he's not deciphering colourful and complicated graphs, Pierre likes to meet
up with friends, go for runs and hit the yoga mat. (B.BA, MFin).

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