Lindsay Caldwell110 Carmel Way

Portola Valley, CA 94028650 228 4654 (c) lindsaycaldwell1001@hotmail.com

Executive ProfileAccomplished Senior Business Analyst with 10+ years professional experience and specialist expertise in Financial Services, Logistics, and Energy.

Key Strengths:

Financial Modeling Project Management Process re-engineering

Activity Based Costing KPI Forecasting Data Analytics

Experience

RWE NPOWER, Birmingham, UK Financial Modeler (Contract) Sept 14-May 15

Major UK energy company serving 5.4 million residential and business customers with electricity, gas and energy services.

Defined and standardized Dimensions, Measures and Variables (consistent with business drivers and source system data) across the business to ensure smooth data flows through the forecasting cycle.

Developed new system (SAS and MS Access based) to efficiently aggregate source system data and calculate customer retention and other key forecast drivers.

Developed 5 year forecast Excel model with financial and operational reports and KPI’s.

LLOYDS BANKING GROUP, London, UK Financial Modeler (Contract) Mar 11-Apr 14

Lloyds Banking Group is the largest Retail Bank in the UK with over 30 million customers.

Developed Excel reporting model to deliver monthly P&L, Customer Balance Walk and KPI reports with functionality to drill down to various granular levels (Company, Product, Customer Vintage and Risk Status - 500+ combinations).

Developed and maintained Forecast Drivers model to feed granular data into rolling monthly, quarterly and annual forecasting models.

Developed and maintained reporting model for divestment company (sale of 632 branches pursuant to European Commission competition laws).

Project managed transition of Credit Cards reporting to a new Retail MI database. Defined and tested complex reallocation rules to ensure that all granular level data balanced

exactly to SAP Financial System totals. Developed new SAP Business Objects reports and Xcelsius Dashboards.

Page 2

Trained regional teams on new reporting system and ad-hoc analysis tools.

Page 3

LLOYDS BANKING GROUP, Gloucester, UK Financial Modeler (Contract) May 10-Feb 11

Developed Mortgages model in partnership with stakeholders to:o deal with new methodology of reallocating total cost of funds across the bank.o increased granularity of inputs (product balance attrition curves, rate spreads etc).

Modelled mortgage product (acquisition and retention) propositions: Stress tested NPV’s of mortgage book.

SUNLIFE Bristol, UK Business Analyst (Contract) Nov 08-Dec 09

SunLife, a division of AXA, markets life insurance products directly to consumers and has over 700k customers.

Delivered insightful analysis of performance based on business KPI’s. Developed submissions for new business opportunities. Prepared budget, forecast and strategic plan submissions.

LLOYDS BANKING GROUP, Gloucester, UK Finance Analyst (Contract) Sep 08-Nov 08

Re-engineered EIR (Effective Interest Rate) models which calculate accounting adjustments pursuant to IFRS.

Documented new processes, and prepared P&L impact analysis.

LLOYDS BANKING GROUP, B ristol, UK Excel/VBA Developer (Contract) May 08-Jul 08

Re-engineered high-risk spreadsheets to improve structure, functionality and efficiency and ensure compliance with Group policy.

ULTRA GLOBAL PRT, B ristol, UK Excel/VBA Developer (Contract) Mar 08-May 08

UK start-up that designs and develops driverless transit systems including the Ultrapod system at Heathrow Airport.

Developed business model used for evaluating new business opportunities.

PACIFIC NATIONAL , Melbourne, Australia Senior Business Analyst (Permanent ) Jan 00–Feb 08

Pacific National (PN), a division of Asciano Ltd, is Australia's largest private rail freight business.

Developed business model underpinning successful renegotiation of Australia’s largest rail freight contract (AUD 1 billion revenue, AUD 160M capital expenditure).

Analyzed monthly divisional performance and prepared board report submission. Customer forecast modelling: developed models to analyze impact on capacity etc. Prepared new business costings and capex proposals.

Page 4

Developed strategic models for due diligence and asset utilization optimization analysis. Project-managed implementation and User Acceptance Testing of new systems. Co-ordinated annual divisional revenue budget process. Provided analytical support to senior Finance, Operations and Marketing managers.

LEASEPLAN , Melbourne, Australia Financial Reporting Analyst (Permanent ) Sep 96–Jan 00

LeasePlan Australia, is Australia’s largest fleet management company, managing in excess of 60,000 cars and other assets.

Prepared management accounts and associated performance analysis reports. Managed Accounts Payable (3 staff). Performed complex reconciliation of Fixed Assets.

Education RMIT University, Melbourne, Australia - Bachelor of Business (Accounting) CPA Australia - CPA Program

Professional Affiliations CPA Australia

Key Software MS Office and Live Office (Advanced VBA and SQL), SAP, Business Objects, Sharepoint,

Xcelsius Dashboards

Interests skiing (alpine, nordic, touring), windsurfing, tennis, road and mountain biking,

photography, live music, sailing, chess