In this episode of the MS NextGen Podcast, Kimberly Dondo sits down with Carly Bown, Senior Credit Risk Analyst at Together and a member of the MS NextGen Class of 2026.
MS NextGen is Mortgage Strategy’s flagship 12-month talent accelerator programme, created to identify, develop and support 30 promising professionals under the age of 30 in the UK mortgage and security sector.
Carly lifts the lid on the specialist lending and credit risk side of real estate finance, sharing how she worked her way into analytics and stepped into a senior risk management role early in her career. She addresses the biggest misconceptions advisors have about credit analysts, explains how lenders assess risk in a changing macroeconomic climate, and discusses why human judgment remains vital alongside automated underwriting models. Carly is also considering bringing a specialized analytical voice to the MS NextGen 30 Under 30 panel and shares her advice for anyone considering presenting to the 2027 cycle.
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Watch the full video conversation below, or listen on the go via your audio player and all major podcast platforms.
Register your interest in the MS NextGen 2027 group.
Applications will open later in September 2026. Pre-register online now.
