Company Info for uobgroup.com | IcebreakerMembers
Relevant Experience
• Managed multiple projects, coordinating with clients to ensure alignment with business and regulatory requirements.
• Developed Credit Risk models (PD, EAD, and LGD) in line with Basel II IRB and IFRS 9 standards for several large-scale banking projects.
• Conducted validation of Application and Behavioral scorecards, assessing predictive performance and stability across portfolios.
• Built Application and Behavioral scoring tools for both corporate and retail portfolios to support credit decision-making.
• Performed data gap analysis and validation to ensure accuracy and readiness of datasets prior to model development.
• Designed and implemented retail model monitoring frameworks to track performance and identify early warning signals.
• Conducted portfolio movement analysis to monitor credit risk dynamics and support business strategy.
• Implemented collection segmentation strategies to improve debt recovery efficiency.
• Developed and automated model monitoring dashboards for timely reporting and enhanced decision-making.
• Supported system implementation projects, ensuring smooth integration of risk models into bank systems.
• Composed comprehensive documentation of development methodologies, validation results, and model governance reports.
• Provided internal training sessions to enhance team capabilities in credit risk modeling, monitoring, and analytics.
Skills & Qualifications
• Education: Bachelor’s degree in Economics (Quantitative Economics), Chulalongkorn University (EBA Program).
• Credit Risk Expertise: Basel II IRB & IFRS 9 model development (PD, EAD, LGD), scorecard development and validation, retail and corporate portfolio analytics.
• Analytical & Technical Skills: Quantitative analysis, econometric modeling, statistical programming (Excel, VBA, SAS, R).
• Business & Strategic Skills: Business process review & improvement, budgeting & forecasting, collection strategy, portfolio analytics, system implementation.
• Research & Economics: Strong background in macroeconomic and microeconomic analysis, applied economics research.
• Communication & Leadership: Experience in client engagement, cross-functional collaboration, documentation, and delivering internal training. 
www.apds-analytics.com
Onwards and Upwards
Focus on the use of analytics for innovation (including traditional and alternative data) within the retail credit and payments markets across the Europe, Middle East and South East Asia
Recently, delivered Payment Gateway transaction scores for Credit Risk and Fraud across South East Asia and developing a data monetarisation proposition & developed alternative data bureau scores to address the unbanked population in Egypt
Spent 18 months with NatWest/ RBS modelling mortgage PD & scenario analysis (using Python)
spent 8 months (with 4 Pi) modelling the (IFRS9) Behavioural Maturity element of the SICR calc (looking at macroeconomic effects on the lifetime of various products across multiple countries)
spent years on credit risk, marketing analytics, data science (retail financial services), extensive modelling experience (scorecards, Basel II / IFRS9 / Propensity Models using SAS / R)
Spent 2.5+ years working Agile with Westpac / MC Advisors (building cards data infrastructure / designing customer centric marketing campaigns / migrating the portfolio across card schemes / Covid19 responses) in New Zealand
Spent 8 months with MasterCard Advisors, delivering Advanced Analytics (spend, activation, credit limit optimisation, campaign tracking etc) in Saudi Arabia & the wider Middle East
Analytics and Risk Management consulting for PayTech Consulting (payments industry specialisation) covering payments, risk & financial inclusion
Analytical Consulting and Contracting in UK, covering Mortgage MIS (Sainsbury’s Bank) and IFRS9 Modelling (multi platform products for Tesco Bank).
I have been within the retail credit risk / banking analytics industry for over 30 years (within banks and numerous consulting firms), gaining a mass of experience in a number of analytic areas, including application, behavioural scoring, bureau scoring, Basel II (Risk metrics, stress testing with economic modelling) across numerous geographies. 
