Faisal Rafiq
Highly experienced, analytical and client focused professional offering consultancy within the data and analytics industry. Over 18 years... | Glasgow, Scotland, United Kingdom
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Faisal Rafiq’s Emails fa****@ul****.com
Faisal Rafiq’s Phone Numbers 44345948****
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Faisal Rafiq’s Location Glasgow, Scotland, United Kingdom
Faisal Rafiq’s Expertise Highly experienced, analytical and client focused professional offering consultancy within the data and analytics industry. Over 18 years of experience within the banking sector with a proven track record of delivering outstanding results through predictive modelling. Skills: Extensive experience across a spectrum of functions within the Credit Risk division which includes Problem Debt Management Oversight, IRB & IFRS9 Modelling (PD / EAD / LGD), IFRS9 Provisioning, Acquisitions, Collections & Recoveries and Credit Risk Strategy & Analytics. Product knowledge includes both Secured & Unsecured lending within the Retail Banking division. Strong mathematical & statistical modelling background which includes building various predictive models such as IRB & IFRS9 Models (PD / EAD / LGD), Application / Behavioural Scorecards and Propensity Models. Significant experience with the following modelling techniques: • Logistic / Linear Regression (SAS) • Decision Trees (SAS) • Monte Carlo Simulation (SAS / Excel) • Time Series & Econometrics (SAS) • Machine Learning – Supervised / Unsupervised Models & Neural Networks (Python) Expert user in: • SAS - Enterprise Guide / PC & Mainframe / Enterprise Miner / Viya • World Programming System (WPS) • Excel / VBA • Python Key Achievements: • FinRep - redevelopment resulted in a €32m reduction to the NPE stock (Ulster Bank). • Debt Sales - €2.6bn of Retail Mortgages sold under Projects Oyster, Scariff & Deenish (Ulster Bank). • Mortgage Collections Modelling - debt flow saving of €1.4bn (Ulster Bank). • Pre-Emptive Modelling - arrears flow saving of €50m and €1m for Secured and Unsecured portfolios (Ulster Bank). • Authorisation Strategy - generated additional income of 1.5m per year (Tesco Bank). • Current Account EAD Modelling - a reduction of 1.3bn in RWAs (RBS).
Faisal Rafiq’s Current Industry Bits
Faisal
Rafiq’s Prior Industry
Rbs
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Clydesdale Bank
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Tesco Bank
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Ulster Bank
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Ing
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Data Drill
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Bits
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Work Experience
Bits
Credit Risk Modeller
Mon Jul 01 2024 00:00:00 GMT+0000 (Coordinated Universal Time) — Present
Data Drill
Quantitative Modeller
Sat Apr 01 2023 00:00:00 GMT+0000 (Coordinated Universal Time) — Present
Ing
Credit Risk Modeller
Sun May 01 2022 00:00:00 GMT+0000 (Coordinated Universal Time) — Sun Jan 01 2023 00:00:00 GMT+0000 (Coordinated Universal Time)
Ulster Bank
Credit Risk Contractor
Sun Jan 01 2012 00:00:00 GMT+0000 (Coordinated Universal Time) — Sun Aug 01 2021 00:00:00 GMT+0000 (Coordinated Universal Time)
Tesco Bank
Credit Risk Contractor
Fri Jul 01 2011 00:00:00 GMT+0000 (Coordinated Universal Time) — Thu Dec 01 2011 00:00:00 GMT+0000 (Coordinated Universal Time)
Clydesdale Bank
Finance Manager - Profitability Modelling
Tue Jul 01 2008 00:00:00 GMT+0000 (Coordinated Universal Time) — Fri Jul 01 2011 00:00:00 GMT+0000 (Coordinated Universal Time)
Rbs
Senior Credit Risk Analyst - IRB Modelling
Sun Jul 01 2007 00:00:00 GMT+0000 (Coordinated Universal Time) — Tue Jul 01 2008 00:00:00 GMT+0000 (Coordinated Universal Time)
Rbs
Analyst - Marketing Analytics
Fri Jul 01 2005 00:00:00 GMT+0000 (Coordinated Universal Time) — Sun Jul 01 2007 00:00:00 GMT+0000 (Coordinated Universal Time)
Rbs
Credit Risk Analyst - Cards Risk
Fri Oct 01 2004 00:00:00 GMT+0000 (Coordinated Universal Time) — Fri Jul 01 2005 00:00:00 GMT+0000 (Coordinated Universal Time)Skills
Languages
Faisal Rafiq Email Addresses
Faisal Rafiq Phone Number
FAQ About Faisal Rafiq
-
Faisal Rafiq is located at
Glasgow, Scotland, United Kingdom -
Faisal Rafiq is a
Highly experienced, analytical and client focused professional offering consultancy within the data and analytics industry. Over 18 years of experience within the banking sector with a proven track record of delivering outstanding results through predictive modelling. Skills: Extensive experience across a spectrum of functions within the Credit Risk division which includes Problem Debt Management Oversight, IRB & IFRS9 Modelling (PD / EAD / LGD), IFRS9 Provisioning, Acquisitions, Collections & Recoveries and Credit Risk Strategy & Analytics. Product knowledge includes both Secured & Unsecured lending within the Retail Banking division. Strong mathematical & statistical modelling background which includes building various predictive models such as IRB & IFRS9 Models (PD / EAD / LGD), Application / Behavioural Scorecards and Propensity Models. Significant experience with the following modelling techniques: • Logistic / Linear Regression (SAS) • Decision Trees (SAS) • Monte Carlo Simulation (SAS / Excel) • Time Series & Econometrics (SAS) • Machine Learning – Supervised / Unsupervised Models & Neural Networks (Python) Expert user in: • SAS - Enterprise Guide / PC & Mainframe / Enterprise Miner / Viya • World Programming System (WPS) • Excel / VBA • Python Key Achievements: • FinRep - redevelopment resulted in a €32m reduction to the NPE stock (Ulster Bank). • Debt Sales - €2.6bn of Retail Mortgages sold under Projects Oyster, Scariff & Deenish (Ulster Bank). • Mortgage Collections Modelling - debt flow saving of €1.4bn (Ulster Bank). • Pre-Emptive Modelling - arrears flow saving of €50m and €1m for Secured and Unsecured portfolios (Ulster Bank). • Authorisation Strategy - generated additional income of 1.5m per year (Tesco Bank). • Current Account EAD Modelling - a reduction of 1.3bn in RWAs (RBS). Bits -
Faisal Rafiq currently works in the
Bits -
Faisal Rafiq specializes in
Highly experienced, analytical and client focused professional offering consultancy within the data and analytics industry. Over 18 years of experience within the banking sector with a proven track record of delivering outstanding results through predictive modelling. Skills: Extensive experience across a spectrum of functions within the Credit Risk division which includes Problem Debt Management Oversight, IRB & IFRS9 Modelling (PD / EAD / LGD), IFRS9 Provisioning, Acquisitions, Collections & Recoveries and Credit Risk Strategy & Analytics. Product knowledge includes both Secured & Unsecured lending within the Retail Banking division. Strong mathematical & statistical modelling background which includes building various predictive models such as IRB & IFRS9 Models (PD / EAD / LGD), Application / Behavioural Scorecards and Propensity Models. Significant experience with the following modelling techniques: • Logistic / Linear Regression (SAS) • Decision Trees (SAS) • Monte Carlo Simulation (SAS / Excel) • Time Series & Econometrics (SAS) • Machine Learning – Supervised / Unsupervised Models & Neural Networks (Python) Expert user in: • SAS - Enterprise Guide / PC & Mainframe / Enterprise Miner / Viya • World Programming System (WPS) • Excel / VBA • Python Key Achievements: • FinRep - redevelopment resulted in a €32m reduction to the NPE stock (Ulster Bank). • Debt Sales - €2.6bn of Retail Mortgages sold under Projects Oyster, Scariff & Deenish (Ulster Bank). • Mortgage Collections Modelling - debt flow saving of €1.4bn (Ulster Bank). • Pre-Emptive Modelling - arrears flow saving of €50m and €1m for Secured and Unsecured portfolios (Ulster Bank). • Authorisation Strategy - generated additional income of 1.5m per year (Tesco Bank). • Current Account EAD Modelling - a reduction of 1.3bn in RWAs (RBS). -
Faisal Rafiq speaks the following languages:
No languages available. -
Faisal Rafiq has prior experience in the following industries:
Ing , Ulster Bank , Tesco Bank , Clydesdale Bank , Rbs , Rbs , Rbs -
Faisal Rafiq has the following professional experience:
Bits , Data Drill , Ing , Ulster Bank , Tesco Bank , Clydesdale Bank , Rbs , Rbs , Rbs . -
You can view Faisal Rafiq’s
LinkedIn profile at LinkedIn URL. -
Faisal Rafiq’s work email addresses are
[email protected] . -
Faisal Rafiq works at
Bits
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