IAIN BROWN, PH.D., is an Analytics Specialist Consultant at SAS, specializing in credit risk. Prior to joining SAS in 2011, he worked as a credit risk analyst at a major UK retail bank where he built and validated PD, LGD, and EAD models using SAS software. He has spoken at a number of internationally renowned conferences and conventions and has published papers on the topic of credit risk modeling in the International Journal of Forecasting and the Journal of Expert Systems with Applications.In 2011, he won the SAS Student Ambassador award for his doctoral research, which recognizes and supports students who use SAS technologies in innovative ways to benefit their respective industries and fields of study. Iain has a BBA in Business from the University of Kent, an MSc in Operational Research from the London School of Economics and Political Science (LSE), and a PhD in Credit Risk from the University of Southampton. Iain is also an active member of the Operational Research (OR) Society; in July 2014, he was awarded the title of Associate Fellow of the OR Society (AFORS) for his contribution to the field of OR. His research interests include data mining, credit scoring, credit risk modeling, and Basel compliancy.