David Lewis, chief executive officer of Retail Capital, has over 22 years of credit risk management, with operational and executive level experience, gained in ICT, banking and consultancy in the UK and Africa. In his early roles, he was responsible for the implementation and management of ‘value-add’ solutions to enhance efficiency and effectiveness. Following this he joined Fair Isaac providing credit risk management consulting to key clients and ensuring optimal returns on client investment though data, analytics, best practices and aligning operational and technical processes. David and his management team established Retail Capital, a merchant cash advance provider.