I am an independent consultant who has worked across the UK retail banking sector for the last 25 years. I have over 25 years SAS experience, and have recently started working commercially in Python also, following a bit of dabbling over the prior 18 months. I build and adapt machine learning models, work on model validation and implementation, data structures and analytics, implementation and so forth. Large variety fo experience in the credit risk space. Am an expert in Excel and recently started designing dashboards in Tableau. I have worked in R and VBA also. Skilled at interlinking MS office products to deliver useful resources for my clients, per their current use cases.