Managing credit risk for multinational banks with retail portfolios in Asia-Pacific region and the UK. Optimising Bank’s ECL requirement by leading development of robust forward-looking IFRS9/Stress-testing Models (PD, EAD and LGD) based on Bank’s risk appetite, Business Strategy and Economic scenarios. I thrive in collaborative settings and have experience in regulatory frameworks such as IFRS9 & Basel III, statistical modeling approaches, stakeholder management and data analytics tools such as SAS & advanced excel. In addition, pursuing my interest in the area of climate change.