1f:["$","img",null,{"height":"1","width":"1","style":{"display":"none"},"alt":"","src":"https://www.facebook.com/tr?id=3659591550929113&ev=PageView&noscript=1"}] 21:T48e,

I am a Credit Risk & Scorecard Analytics professional with 13 years of experience across global banks and analytics leaders, including Barclays, Standard Chartered, Equifax, EXL, and multiple Canadian banks.

I specialise in credit risk modelling, scorecard development, PD/LGD/EAD models, underwriting strategy, portfolio analytics, and advanced reporting. My technical expertise spans SAS (Base & EG), Python, and SQL, enabling end-to-end solutions from data exploration to model deployment and monitoring.

Over the years, I’ve delivered high-impact risk strategies, built regulatory-compliant models, automated large-scale reporting systems, and improved credit decision frameworks across retail, cards, and personal lending portfolios. I also lead an international analytics team of 17 members, driving execution across multiple geographies.

If you need support with scorecards, credit risk insights, model validation, reporting automation, or risk strategy enhancement, I can help with clear, actionable, real-world guidance.

22:T48e,

If you need support with scorecards, credit risk insights, model validation, reporting automation, or risk strategy enhancement, I can help with clear, actionable, real-world guidance.

23:T48e,

If you need support with scorecards, credit risk insights, model validation, reporting automation, or risk strategy enhancement, I can help with clear, actionable, real-world guidance.

24:T48e,

I specialise in credit risk modelling, scorecard development, PD/LGD/EAD models, underwriting strategy, portfolio analytics,

rajat kumar

Consult on Credit Risk Analytics & Scorecard Model