An expert with over 15 years of experience in statistics, machine learning, credit risk and other statistical models. I have worked on SAS, Python, VBA, R and C++. I have an extensive knowledge of credit risk models such as Probability of Default, Loss Given Default, scorecards, etc. and machine learning techniques such as Classification, Regression, Decision Trees, Gradient Boosted Trees, Random Forests, Neural Networks, Bayesian Analysis and Markov Chain Monte Carlo (MCMC) and more.