Credit risk consultant with broad experience in A-IRB, F-IRB, IFRS9, Scorecard, IFRS17 retail and corporate modelling and validation, capital and provisions calculation and approval, retail and corporate portfolio management, forecasting, stress testing. Instruments used - SQL, SAS, Python, R. Products covered – retail (revolving and instalment unsecured and secured including mortgages and auto loans) and corporate (SME, Corp, Wholesale, TCF, secondary market).