Alan has over 25 years experience in the area of credit risk management. He has in depth knowledge and experience of the credit risk regulatory framework. He is a recognised expert in the fields of statistical model development, and the innovative use of data and statistical methods to solve business modelling problems.Publications include:A chapter on “Updating Scorecards” in the “Credit Scoring and Credit Control - 1984” conference proceedings that was published as a book."Statistical Challenges in Card Issuing” published in the journal “Applied Stochastic Models in Business and Industry”.A joint paper “Bayesian Networks Applied to Credit Scoring” by R. Fung, R. Oliver & A. Lucas published by the I.M.A. (Institute of Mathematics and its Applications); (R. Oliver is the chairman of Fair Isaac).A paper on Small Sample Scoring in "Readings in Credit Scoring - Foundations, Development and Aims" (Thomas, Edelman and Crook)Specialties: Problem SolvingStatistical ModellingCredit Risk Modelling