This book is crafted specifically for professionals-risk analysts, model developers, data scientists-who are actively involved in building, validating, and maintaining PD models in banking environments. Whether you're stepping into PD modelling for the first time or seeking to refine existing models, this guide combines depth with clarity, ensuring relevance, compliance, and practical applicability.

Sameer Shaikh is a Senior Data Architect with over 14 years' experience in Banking, fraud detection, and credit-risk modeling for leading banks in India and United Arab Emirates. A recognized thought-leader, Sameer has:

• Architected enterprise AML/Credit Risk platforms in SAS Viya and SAS AML Manager, delivering real-time solutions
• Built advanced machine-learning models (logistic regression, gradient boosting, random forests) in SAS Enterprise Miner and SAS Studio, achieving up to 95% detection rates on synthetic fraud scenarios.
• Pioneered network analytics by integrating Gephi visualizations with SAS data flows?uncovering hidden rings of mule accounts and circular money-movement patterns.
• Automated regulatory reporting in private banks in India, Singapore and Malaysia
• Mentored dozens of junior analysts through internal "SAS training programs, fostering a new generation of Tech specialists.