Sherine John

The RHI Credit Models team forms part of a team extension model, supporting the global teams. Taking responsibility for annual reviews and the redevelopment of the credit models and operational scorecards, the team supports data, aligned to risk analytics activities, including loss data, reconciliation and model performance assessment, using statistical techniques.

Meet Sherine John

"I joined RBS a year ago to set up the wholesale credit risk modelling team. In the last year, we’ve attracted 18 members, trained and mentored them, seamlessly transitioned some of the critical regulatory review and development work, and are now managing a key portion of the bank’s regulatory commitments to the PRA.

RBS is a known pioneer in quantitative modeling methodologies, and has been the market-leader in some of the more complex methods deployed in credit risk models. My motivation to join RBS came from my interest in specializing in credit risk quantitative modeling. My team’s contribution has been small but significant in ensuring we are meeting our commitments to the regulators and flagging any risks through quarterly monitoring and annual reviews, enabling the bank to mitigate these risks and add to our constant dedication to our customers.

In twelve months, I’ve seen myself become more adaptable and mature as a professional. My learning curve has gone up steeply, as I get to work with some of the most detailed and thorough professionals in this field. I come from a consulting background, and the work culture at RBS has been fairly different. Given this, the transition into my role and my ability to set up a new team would’ve been severely challenging had I not received the support of the leadership team and my peers.

RBS flexible working hours really help me spend quality-time with my family, and spend time learning new things. I have finally managed to pursue a program in risk management, which I have always wanted to do."

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