Dr Heidi Kharbhih Heidi is a management consultant who specialises in identifying opportunities for improvement and forecasting business trends. Heidi has 13 years experience across a wide range of industries, namely, manufacturing, retail, academia and banking. Heidi has worked on many successful business strategy projects within Marketing, Research and Development, Logistics, Sales, Decision Science, Credit Risk, Information Technology and Product Innovations. "I will always be straight with the client and show them where they can make improvements. We work together to find the right solution for their business," says Heidi. Whilst working in academia, Heidi taught Engineering, Mathematics and Statistics students at both degree and Masters levels.. "It was very rewarding to see a student progress and learn under your tuition," Heidi comments. Alongside lecturing, Heidi also researched and published various papers on electronic failure rates, consumer behaviour, warranty modelling and the benefits of on-line learning. Heidi has presented her research at many conferences and also reviewed technical papers for the Journal of the Operational Research Society. During her banking experience, Heidi has held the positions of Head of Credit Risk and Decision Science Site Head responsible for Strategy, Analytics and Modelling for a £100bn mortgage portfolio at Cheltenham and Gloucester. "The key to having a best practice banking modelling solution is to link all the Operational, Impairment and Basel models, so strategic decisions are completely aligned to business operations." Heidi comments. Heidi is a highly qualified consultant with a first class honours degree, Masters in Mathematics and a PhD in Applied Statistical Modelling.