Steven Finlay is one of the UK's leading experts on predictive analytics and its application within Big Data environments. He has extensive experience of developing predictive analytics solutions within Financial Services, Retailing and Government organisations. Steven is currently Head of Analytics at HML, the UK's largest provider of mortgage administration services. Previously he has worked as a data scientist, consultant and project manager for a variety of organizations in both the public and private sectors. Steven has a PhD in predictive analytics and is an Honorary Research Fellow in the Management Science Department at Lancaster University in the UK.