I'm an accomplished Credit Risk, Climate Risk and Model Risk Management professional with 8+ years across the Middle East, UK, India, and the US — working with over 25 financial institutions including G-SIBs, tier-1 banks, and emerging fintechs.

My expertise spans IFRS 9, IRB, Basel III, ICAAP and CBUAE standards — covering the full model lifecycle from development through independent validation. Proficient in scorecards, rating models, CLTV models, portfolio and strategy analytics, complemented by deep machine learning applications across credit and risk domains.

I specialise in Climate Risk modelling — Physical Risk, Transition Risk, ESG Scorecards, and Scenario Analysis — having built frameworks from the ground up at tier-1 UK banks following BoE CBES guidelines, with proprietary methodologies (Retrofit, Land Value, VHR, Carbon Cost, GVA) published as industry papers.

My capabilities extend to model risk governance, regulatory compliance, stress testing, and adeptly navigating central bank examinations, PRA interactions, and internal and external audits — across all three lines of defence.