Lalit is a Risk Management Professional with 17+ years of experience in Credit Risk Management and Analytics. He has extensive hands-on experience in Model Review and validation of Loss Forecasting models used for CCAR/DFAST, CECL, ICAAP, IFRS9, Model Development, Model Monitoring and Strategy & Policy development. He has worked extensively for UK Market, US Market, and APAC region including India and across Retail Banking products - Credit Card, Personal Loan, Mortgage, Current Accounts etc. Specialties: Credit Risk Management and Analytics, Credit Card expertise, Scorecard development and monitoring, Independent Model Validation, Loss forecasting models used for CCAR, CECL, Acquisition Risk Policy, Portfolio Management and Automation, Climate Risk