10 credit underwriting model experts

Experience: Executive Vice President - Head of Data, Models and Credit for Card · Capital One

Executive Vice President - Head of Data, Models and Credit for Card at Capital One since 2023; the profile cites expertise in commercial and consumer underwriting. Former Executive Vice President, Head of Small Business Card (2013–2024), Vice President, Credit Card Line Management (2011–2013) and Business Director, Credit Card Yield Management & Risk Mitigation (2007–2011) at Capital One.

Experience: Head of Credit Risk Decision Models, Citi USPB PBWM · Citi

Head of Credit Risk Decision Models, Citi USPB PBWM at Citi since 2022. Former Head of Credit Risk Modeling & Strategic Analytics, Citi Retail Services (2018–2022), Director, Credit Risk Modeling, Citi Retail Services (2010–2018) and SVP, Credit Portfolio Senior Risk Manager, Citi Retail Services (2003–2009) at Citi; the profile cites a credit risk policy development background.

Experience: Head of Credit Modelling · Mox Bank by Standard Chartered

Head of Credit Modelling at Mox Bank by Standard Chartered since 2024; the profile describes expertise in credit underwriting, machine learning and fraud detection in consumer and commercial lending. Former Director, Global Commercial, US Consumer and Small Business New Accounts Decision Science (2013–2019) and Director, APAC and Greater China Risk Management, Hong Kong (2019–2023) at American Express.

Experience: Head of Credit Risk Models · Bank of Ireland

Head of Credit Risk Models at Bank of Ireland since 2023, responsible for all credit risk models, including decision scorecards, IRB and IFRS 9 models, within RoI and UK lending portfolios. Former Head of Decision Modelling & Architecture (2017–2023) and Head of Retail Model Development (UK & RoI) (2011–2017) at Bank of Ireland.

Experience: Head of Credit & Underwriting · Block

Head of Credit & Underwriting at Block since 2025, where the profile says he leads credit strategy, automation and portfolio risk across consumer lending products including Cash App Borrow and Afterpay, and his team builds real-time, ML-driven systems. Former Senior Director of Machine Learning (Cash App Afterpay) - Underwriting & Credit at Cash App (2020–2025).

Experience: Vice President, Credit Risk Scorecard Modeling and Basel Modeling · Citi

Senior Vice President, Scoring, Modeling & Strategic Analytics (Modeling,Analys & Val Group Manager) at Citi since 2021, where the profile says he led and managed risk management functions of $45B Citi Retail Services, and former Vice President, Credit Risk Scorecard Modeling and Basel Modeling at Citi (2014–2021). Former Manager Risk Management at Citibank India (2011–2014).

Experience: Global Head of Credit Risk Modeling Analytics Director · Klarna

Global Head of Credit Risk Modeling Analytics Director at Klarna since 2024, where the profile says he oversees eight teams responsible for developing variables and crafting credit models for the global market, including North America, Europe and the Asia-Pacific region. Former Global Head of Recoveries and Collections Senior Manager Analytics at Klarna (2023–2024).

Experience: Vice President, Head of Model Development · First Abu Dhabi Bank (FAB)

Vice President, Head of Model Development at First Abu Dhabi Bank (FAB) since 2018, where the profile says he helped roll out a fully automated credit decision platform using machine learning models and strategies for the retail portfolio. He was also Analyst, Retail Credit Modelling at First Abu Dhabi Bank (FAB) (2007–2009) and Risk Management Practice Lead at Evalueserve (2016–2017).

Experience: Head of Retail Credit Risk Model Development · NAB

Head of Retail Credit Risk Model Development at NAB since 2018, and former Senior Manager Credit Risk Model Development (2015–2018) and Senior Consultant Credit Risk Model Development (2012–2014) at NAB. The profile describes his work in credit risk scoring and analytics using mathematical and statistical modelling, and lists Scoring & Analytics Consultant at illion (2007–2010).

Experience: Director, Credit Risk Models Department · mBank S.A.

Director, Credit Risk Models Department at mBank S.A. since 2023 and former Deputy Director - Head of Credit Risk Modeling at mBank S.A. (2019–2023). His mBank roles also include Vice Director - Scoring and Rating (2018–2019), Scoring and Rating Unit - Manager (2013–2018) and Retail Credit Scoring & Rating Unit - Manager (2011–2013).