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call us on 07776 294220 or email info@rcalc.co.uk


About Us

RCalc is a partnership made up of Leigh Baker, Richard Smart, Dr Hendrik Wagner, Ian Hill, Andrew Holmes and Adam Wearmouth.

The power of RCalc comes from the embedded knowledge and practical expertise gained by the partnership over the last 15-20 years, between us there is very little we have to not achieved within the analytic sphere. We offer our clients the ability tap into this knowledge base to enable the development of optimum solutions.

Leigh Baker

Leigh has 16 years experience in the analytics sector after graduating from Southampton University with a BSc (Hons) in Mathematics and Economics. He has developed solutions for the majority of the UK retail banking industry ranging from origination to recovery of distressed debt across multiple asset classes - Consumer Finance, SME lending and Commercial Real Estate. Leigh has worked with 2 of the 3 credit bureaus and has a detailed understanding of their capabilities. He has also been involved in pricing mortgage backed securities and has given consultancy on Basel II modelling. Recently Leigh has worked for National Australia Bank, The Asset Protection Agency and is now working with Barclays Wealth, the private banking operation of Barclays.

Richard Smart

Richard graduated in 1984 with a Bsc (Hons) in Operational Research; he has over 23 years experience project managing and delivering Decision Support projects across Financial Services, FMCG, Retail, IT Consultancy and Emergency Services sectors. For the last 15 years he has been an Independent Decision Support consultant. One of his major achievements was delivering a major Customer Behavioural Segmentation project for a top tier on line bank. Richard has extensive Credit Risk analysis expertise focussing on MI, collections and pre-delinquency. Richard is a SAS expert.

Dr Hendrik Wagner

Hendrik gained his doctorate in Neural Networks and Genetic Algorithms. He was previously Product Manager Data Mining Solutions at SAS Institute EMEA in Heidelberg from 1998 to 2006. Since 2006 Hendrik has undertaken projects for banks across the globe - ING Card Netherlands, Santander Germany, IIB Ireland and SCB Thailand.

Ian Hill

Ian graduated in Statistics some 18 years ago. Since then he has helped deliver and devise many credit risk and marketing models. He is an expert SAS programmer and has developed various niche MI reporting tools using SAS. He has worked predominantly in the UK finance industry amassing great knowledge having worked with senior players within the industry. Ian prides himself on his knowledge of stress testing credit portfolios.

Andrew Holmes

Andrew graduated 15 years ago in Economics. He is an experienced and commercially focused Credit Risk consultant with extensive experience of SAS programming on various platforms. His experience has been honed in multiple 'Blue Chip' financial services. He has broad experience of Risk Management at all stages of the credit cycle. He has detailed expertise in Basel II modelling and validation at a credit risk level and is a seasoned project manager.

Adam Wearmouth

In the highly specialised and complex world of credit risk, Adam brings the key people and project management skills that are often missing.  This is complemented by a deep technical understanding of core credit risk management and Basel II.  As a result, he has developed a reputation for managing teams under immense pressure to deliver high quality technical solutions in tight timescales.
Following his degree in Mathematics and Management, he learnt risk management 'from the ground up'. As a result, Adam has undertaken the key credit risk roles throughout the customer life-cycle and understands good risk management. His project delivery track record includes a new decision engine, and risk pricing / upselling functionality, for loans application processing (£60m+ increase in profits). Over the last 5 years, Adam has enabled 2 applications for Basel II Advanced status including managing a large Retail Basel II Modelling team responsible for £200bn+ assets, involving regular engagement with the board members and the FSA. 

RCalc CVs - please find below the RCalc Partnerships more detailed CVs.

PDFLeigh Baker's CV(302kb)

PDFRichard Smart's CV(357kb)

PDFDr Hendrik Wagner's CV(241kb)

PDFIan Hill's CV (281kb)

PDFAndrew Holmes' CV(292kb)

PDFAdam Wearmouth's CV(257kb)