Naeem Siddiqi is the author of Credit Risk Scorecards: Developing and Implementing Intelligent Credit Scoring, (Wiley and Sons, New York, 2005), Intelligent Credit Scoring: Building and Implementing Better Credit Risk Scorecards (Wiley and Sons, 2017), and various papers on credit risk topics.

Naeem meets with senior executives and decision makers from between 40-50 lenders globally each year, and provides strategic advice to them on areas such as the development and validation of credit scoring models, climate change risk, infrastructure planning for analytics, and retail credit risk strategy.

He has also trained hundreds of bankers in over 25 countries on the art and science of credit scorecard development, and helps credit risk analysts develop better scorecards.

Terisa Roberts Director and Global solution lead for Risk Modelling and Decisioning at SAS. Terisa is a recognised expert in risk management and responsible for managing the risk modelling and decisioning product portfolio at SAS. In her current role, she advises financial services around the world on best practices in risk modelling, risk decisioning and the responsible use of AI and machine learning. She brings a unique combination of deep risk management domain expertise with practical business application that delivers tangible value.

Terisa has 20+ years of industry experience in risk management and has worked with large, global organisations across Europe, Asia, Africa, the Middle East, and the Americas on enterprise transformation programmes in risk management. Throughout her career, she specialised in risk analytics and regulatory compliance, including credit risk management (AIRB/IFRS9), stress testing and model governance.

As an accomplished author of a variety of publications, Terisa regularly speaks at international conferences on the latest innovation in risk management. She holds a Ph D in Operations Research and is based in Sydney, Australia.

Stephen J. Tonna is an accomplished Head of Risk Modelling and Model Governance at SAS. Stephen is at the forefront of driving innovation initiatives as a member of the Risk, Fraud and Compliance Solutions at SAS in Asia Pacific. With a strong background in risk modelling, decisioning and model risk management, he regularly advises banks across the Asia Pacific on best-practices to achieve process efficiencies to realise the benefits of risk transformation projects and cloud computing.

Stephen's passion for discovering practical and proactive ways to solve problems is evident in his work as a PhD-educated professional with over 10 years of statistical and industry experience. Throughout his career, Stephen has demonstrated a keen ability to solve complex problems and drive business growth through data-driven insights. As a thought leader in his field, Stephen's contributions have been recognised through numerous accolades and publications.

He is committed to sharing his expertise with others, and often presents at industry events and seminars.