In this episode of the MS NextGen Podcast, Kimberley Dondo sits down with Carly Bown, Senior Credit Risk Analyst at Together and a member of the MS NextGen Class of 2026.

The MS NextGen programme is Mortgage Strategy’s flagship 12-month talent accelerator, created to identify, develop, and champion 30 of the most promising professionals under 30 across the UK mortgage and protection sector.

Carly lifts the lid on the specialist lending and credit risk side of property finance, sharing how she navigated her path into analytics and stepped into a senior risk role early in her career. She tackles the biggest misconceptions advisers hold about credit analysts, explains how lenders evaluate risk in a shifting macroeconomic climate, and discusses why human judgement remains vital alongside automated underwriting models. Carly also reflects on bringing a specialist analytical voice to the MS NextGen 30 Under 30 cohort and shares her advice for anyone considering submitting an entry for the 2027 intake.

How to Tune In

Watch the full video conversation below, or listen on the go via the audio player and all major podcast platforms.