With over 25 years in financial services, I’ve led across credit risk, statistical model development, early warning systems, and portfolio stress testing — partnering with institutions from global banks to fast-scaling fintechs. My focus is combining deep analytics with business strategy to solve complex challenges: blending cash flow and bureau data into dual-score frameworks, designing explainable AI models, and building dashboards that uncover portfolio stress before it’s too late. Today, as Founder and CEO of OGMA Risk and Analytics, I lead a team of data-first risk professionals through a blended onshore/nearshore/offshore model that helps clients scale responsibly. Our motto — driven by data, guided by experience — reflects how we help institutions modernize risk management without losing sight of sound governance. Capabilities and Focus • Credit Risk & Portfolio Management – IFRS 9, IRB, IRRBB, stress testing, early warning systems • Analytics & Modeling – AI/ML, dual-score frameworks, explainable models, validation & governance • Strategic Risk Leadership – fintech risk infrastructure, data adoption, reporting dashboards, risk culture assessment & transformation If you’re building or modernizing risk infrastructure — whether as a global bank or an ambitious fintech — let’s connect. Check out are full available services here: www.OGMAra.com