With 22+ years in data sciences and credit risk management analytics, I have developed significant expertise in AI, fintech, product development, statistical analysis, data-driven strategy, forecasting, model/data governance, MIS reporting, and regulatory compliance. I have closely collaborated with bureaus, fintech vendors, and internal teams to enhance efficacy and efficiency in Small Business and commercial lending. Led teams to deliver strategic initiatives.1. Developed, supervised and deployed data driven (AI/ML) strategies for loan origination and portfolio management. Developed risk strategies and bank policy development for various lending products, deployed custom scorecards, conducted scorecard validation , strategy tracking and reporting. Prepared the team for periodic internal third line of defense audits and external regulatory exams (OCC, FDIC, CFPB) and actively participated.2.Project Management: Coordinating with internal Modeling, IT, Credit Bureaus and fintech vendors. Supervision and release management of decision engine deployments.3. Statistical modeling; Scorecard development, validation,Loss Forecasting.4. MIS development and implementation of large scale MIS systems using SAS VA, Tableau, Business Objects and Hyperion OLAP. 5. Data Management for analytics including Data Mart Design, development & ETL. Coordinating IT and Business users for data solutions.6. Python, SAS,R, Scikit-Learn, Keras, Julia, Matlab, Enterprise Miner7. Specialized in Remote Transition Management and Offshore Project Delivery. Experience in Team Leadership, including recruitment and functional training of high-profile analyst teams, as well as Offshore Project Management* GE Certified Six Sigma Green Belt.* SAS Certified Programmer, SAS Trainer and author of S for SAS.* Adviser: Menerva Software; Fintech product development* Experian Small Business Advisory council member