Shabeeth User
@shabeethuser
CAMS-certified risk and data science leader building auditable credit risk analytics and agentic AI pipelines.
CanadaWhat I'm looking for
I’m a CAMS-certified risk and analytics professional with 8+ years of Enterprise Risk Management across three of Canada’s major banks. I specialize in credit risk modelling, stress testing, and the data engineering foundations that modern analytics and AI workloads depend on.
I’ve led IFRS 9 / Expected Credit Loss (ECL) integration into stress testing systems, building ECL calculators across wholesale and retail portfolios. I developed PPNR and balance sheet stress testing models in SAS, Python, and R, and I re-engineered stress testing workflows end-to-end for speed, reliability, and auditability.
In my current work, I focus on data engineering and agentic AI capability for credit risk—building Python and PySpark pipelines, retrieval patterns, and governed data layers that production AI depends on in a regulated environment. I’ve migrated legacy SAS workloads into modern Python and PySpark stacks, including reconciliation logic and rolling-window calculations designed to stand up under audit.
Outside of risk, I build software: I shipped a full-stack consumer fintech application end-to-end using Node.js/Express, React, and MongoDB, with production Plaid integration and secure authentication (JWT and 2FA). I also use scikit-learn for ML-based spending forecasting, and I’ve treated infrastructure like it matters—DigitalOcean, Nginx, PM2, Let’s Encrypt, and SendGrid.
Experience
Work history, roles, and key accomplishments
Building Python and PySpark data pipelines supporting credit risk analytics and agentic AI capabilities in a regulated environment, with auditable data products aligned to IFRS 9/ECL and stress testing requirements.
Designed stress testing and impairment credit model controls and governance processes to ensure regulatory and audit readiness across the model lifecycle.
Developed PPNR and balance sheet stress testing models in SAS, Python, and R, reducing stress testing turnaround time from 2 months to 4 days and cutting the model development cycle from 6 months to 1 week.
Automated the commercial bank performance reporting pipeline, eliminating 2 weeks of manual work per cycle, and built analytics tools including a SQL/SAS/SSRS tracking platform and Power BI scorecards for sales metrics and opportunities.
Integrated IFRS 9 methodology into stress testing to enable ECL reporting, built wholesale and retail ECL calculators, and automated historical/forecast data merging to improve reliability of reporting.
Enhanced credit risk stress testing infrastructure with SAS-based improvements, developed ad-hoc prototypes for emerging risk analytics, and supported early IFRS 9 stress testing model testing and implementation.
Education
Degrees, certifications, and relevant coursework
York University - Schulich School of Business
Master of Finance, Risk Management - Financial Engineering
2015 - 2016
Completed a Master of Finance specializing in risk management and financial engineering.
Ryerson University
Bachelor of Engineering (B.Eng.), Biomedical/Medical Engineering
Earned a Bachelor of Engineering with a focus on biomedical/medical engineering.
Availability
Location
CanadaAuthorized to work in
Job categories
Skills
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