James Warwick

Data and AI Strategy | Enterprise Transformation | GovernanceEnterprise, Mutual and Startup Expertise.

James brings a track record of data & AI leadership across enterprise, mutual and startup environments, with a focus on innovation & value creation.

Executive Summary

James Warwick is a strategy executive specialising in value creation and enterprise transformation leveraging data and AI. He has led large-scale transformation across PLCs, mutuals and startups.He now leads AI & Data Strategy at the UK’s largest financial mutual (Royal London) & owns the behavioural intelligence firm, TFE Group, which regularly publishes UK household statistics based on proprietary data.As Director of AI Strategy & Product Management at Pearson PLC, James led the transformation of a £250M+ business unit, establishing enterprise-wide capabilities and infrastructure. He oversaw acquisitions, partnerships and R&D, leading a multidisciplinary team of 30+ data scientists, engineers and product managers, delivering proprietary capabilities to more than 30 million learners worldwide.He currently leads AI & Data Strategy at Royal London, the UK’s largest insurance, pensions, and investment mutual with a mandate across strategy, value, and enterprise adoption.Previously, James founded Understated, a boutique AI strategy consultancy advising boards on AI and data strategy, governance and value creation and worked with startup leadership teams in across sectors.

Business Interests

- TFE Group: Behavioural intelligence firm for UK consumer financial services, providing real-time intelligence across ISA, pension, credit and investment verticals.- Understated: Strategy consultancy supporting boards & business leaders on data & AI governance, transformation, and innovation.

Skills & Competencies

  • Technology, Data & AI Governance: strategy definition, oversight and assurance.

  • Enterprise Transformation: operating-model design and capability build.

  • Risk & Controls: model risk, data quality, accountability and reporting.

  • Responsible AI & Product Development: balancing innovation, commercial value & ethical accountability.

  • Leadership: forming and scaling high-performing data and product teams.

Data Products

  • ISA Data: Behavioural intelligence on UK ISA holders: switching intent, rate sensitivity, provider loyalty, and deposit patterns. Built to help banks and platforms predict churn and target acquisition.

  • Pensions Data: Benchmark insights into UK retirement behaviour: drawdown assumptions, lump-sum choices, inflation expectations, and annuity intent. Designed for pensions platforms, providers, and retirement product teams.

  • Consumer Credit Index: A rolling view of UK credit pressure: balance strain, minimum payment reliance, and payoff urgency signals. Built for lenders and risk teams to spot stress trends before they show up in arrears.

Other Links

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