Paul Stirrat

Energizer
DISC Type : I

Head of Credit Risk at TotalEnergies

Newcastle Upon Tyne, England, United Kingdom

Overview

Paul Stirrat is the Head of Credit Risk at TotalEnergies, specializing in solving complex credit risk challenges across diverse sectors. A graduate of Solent University, he excels in developing bureau-beating scorecards and regulator-approved affordability models to drive portfolio performance. People who have worked with him describe him as professional and accommodating.

He developed unique B2B sector scorecards that outperformed all major credit bureaus models.

Personality Overview

Imaginative

Informal

Relationship Oriented

They excel at seeing the bigger picture, and the long-term impact of their decisions.  They are not always early adopters but can be pursuaded by leveraging strong relationships. They are naturally enthusiastic, so take their promise with a pinch of salt.

Topics They Care About

Credit Risk Modeling
He has a proven track record of developing scorecards and affordability models that consistently outperform bureau and peer group versions.
Debt Lifecycle Management
He has been accountable for the entire debt lifecycle, from origination and pricing to in-life management and collections, across multiple senior roles.
Omni-Channel Collections
He has significantly improved cash collection rates by creating and optimizing omni-channel strategies for different customer profiles.

Media Appearances

Paul has no verified media appearances

Work History

3-2024
Head of Credit Risk at TotalEnergies
7-2023 - 3-2024
Chief Risk Officer at Camco Group
1-2023 - 7-2023
Director Credit Risk at 247 Money
10-2020 - 1-2023
Head Of Credit at Everflow Water
7-2017 - 10-2020
Group Head of Credit Risk at 1st Stop Group Ltd

Education

Education details unavailable from ICAEW
Bachelor's degree from Solent University

More Information

Social Presence :

Prographics :

Exp : 8 Location : Newcastle Upon Tyne, England, United Kingdom Job Level : Mid-senior Designation : Head of Credit Risk at TotalEnergies
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Insights For Selling To Paul

During A Call Or A Meeting

DO's

  • Use adjectives like ‘amazing’, ‘coolest’, ‘unbelievable’ etc.
  • Invite them for a lunch or a drink/coffee
  • Talk anecdotally about the customer experience that your product offers

DONT's

  • Don’t push them to make a decision too fast, let them get comfortable first
  • Avoid ifs and buts, don’t talk too much about the risks etc.
  • Don’t be excessively objective, be a storyteller

When Cold Calling

When Writing An Email

While Negotiating & Closing

    The secret to closing fast with Paul is

  • Relationship and trust can be vital with them, sometimes more than anything else.
  • Will you ever get a clear answer from Paul

  • They are unlikely to say no directly, you have to make that decision yourself.

Insights For Deal Planning

    How fast (or slow) will Paul move?

  • They are not the fastest decision makers, their friendly approach can give false positive signals.
  • Can Paul take some risk or not?

  • They can take certain risks that are unlikely to have personal consequences.

You And Paul

Personality Compatibility


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