I bring 13 years of experience in Credit Risk, Scorecards, and Advanced Analytics, having worked with top global institutions like Barclays, Standard Chartered, EXL, Equifax, and multiple leading Canadian banks. I have built and optimised credit scorecards, PD/LGD models, portfolio strategies, and large-scale reporting frameworks using SAS, Python, and SQL. I currently lead an international analytics team of 17 members, delivering end-to-end solutions across lending, risk strategy, and regulatory reporting. If you’re looking for deep industry expertise and clear, actionable guidance, I’m here to help.