An independent risk modelling and data science professional with over 20 years working in financial services. Model development, IFRS9, IRB and stress testing. Model monitoring. Risk strategy. Mortgage portfolio management and impairment analysis. Data migration experience working on portfolio migrations Over 20 years experience with SAS (base, stat, macro, enterprise miner, enterprise guide, JMP) SAS, SQL, Python PCTMS, Triad and Blaze Advisor BSc Statistics (Sheffield)