- Created and documented new Cards PD model for IFRS 9 provision calculation. - Aided colleagues to successfully deliver new cards application model bad debt forecast for business analysis.- Calibrated new single bureau application models to assist with project delivery.- Delivered analysis to assist colleagues with post 60 month cash recoveries for debt sale purposes.

- Responsible for production of regular MI for Credit Cards Back/Front Book forums and Transactional Banking Performance Forum. - Deliver ad-hoc MI requests on wide ranging issues for internal colleagues and other external teams. - Produce regular daily and weekly MI tracking performance of various acquisition and back book campaigns.- Subject Matter Expert on Credit Cards data warehouse providing advice and knowledge to other colleagues.

- Responsible for developing Basel statistical models for UK Retail portfolio. - Developing models for credit cards portfolio. Involved with analysis and documentation.- Responsible for conducting quarterly calibrations ensuring continuing model accuracy for credit cards portfolio. Redeveloped process ensuring expediency and increased accuracy.- Produced and documented ad-hoc analysis and MI to resolve queries raised by risk committees and FSA.- Supported and mentored colleagues in department through training sessions in SAS and SQL.

- Member of model development team responsible for building and validating statistical models for Corporate portfolio. - Assisted with annual validations of Basel ratings models for UK Property Investment and Corporate portfolios; largest portfolios by value. - Responsible for forecasting future loss provisions under IAS39 accounting standard. Ensured that year end provisions were approved by auditors.- Assisted in development of new Corporate Probability Default model for combined HBOS and Lloyds banks. Developed default data mart for model build. - Worked with IT to design, test and implement changes to rating models.