Howard Radley, Managing Director After receiving his doctorate from Oxford University, Howard joined Gemini Consulting becoming a member of the Global Leadership Team and Head of Financial Services for the UK . In 1998 he joined Oliver Wyman & Co as a Senior Partner and Managing Director with global responsibility for Transformation and Retail Banking. He founded Radley & Associates in 2001 with the express goal of putting the best risk analytics at the centre of business strategy. Howard has over 20 years experience of working with leading Banks on strategic issues and risk management.

Charles Cardozo, Operations Director Following his MBA at Columbia Business School Charles joined the MAC Group where he led the analytics group and developed new approaches to techniques such as Activity Based Costing. Charles has worked with Professor Robert Kaplin at Harvard Business School and other leading academics to address complex issues in the Financial Services and Telecommunications Industries. In 2001 he joined Howard Radley to help establish a firm specialising in implementing complex risk and other analytical techniques for the financial services industry. Charles also has an MA in Engineering, Economics and Management from Oxford University.

Peter Michaels, Head of Methodology Peter worked for Gemini Consulting after gaining a degree in Maths and Philosophy from Manchester University. He joined Radley & Associates in 2001 as its first Analyst and has since risen to be Head of Methodology. Peter has a deep expertise in mathematical modelling and simulation techniques.

Jacob Doran, Technology Director Jacob's first programming job was developing monitoring tools for the Reuters real-time currency trading platform. He has since developed mobile deployment software for Orange and Otis, among other clients. He joined Radley & Associates in 2005 as part of the development team for ProMS, and has risen to head of the technology department. He has a degree in electronic engineering from Bristol University and a MSc in environmental modelling from Kings College London.

What unites our management team is not only their technical knowledge but also a strong belief in the value of engaging an organisation so that new systems and methodologies are embraced by the business to improve profitability. Having the right answer is only part of the solution – it must be fully implemented to deliver results.