At Isla Lipana & Co., I develop and recalibrate application and behavioral scorecards and expected credit loss models under IFRS 9/PFRS 9. My work covers probability of default, loss given default, exposure at default, and forward-looking adjustments.
I also conduct independent validations of scorecards and ECL models, assessing their methodology, performance, governance, and regulatory compliance. Across financial risk and audit engagements, I’ve analyzed model assumptions and quantified the financial impact of modelling deficiencies.

