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Md Naeem Ahmed is a Senior Manager in Retail Analytics at Standard Chartered Bank, bringing over 12 years of experience in risk and business analytics for a significant portfolio. They have developed and implemented various analytical models, including credit scorecards and risk decision frameworks, enhancing portfolio performance and compliance with IFRS-9 standards. With expertise in predictive modeling and analytics tools such as SAS and SQL, Md Naeem Ahmed has significantly contributed to cost budgeting and campaign management initiatives. Their educational background includes an MBA from the Institute of Business Administration, University of Dhaka, and a BSc in Computer Science & Engineering from Shahjalal University of Science and Technology.