Stuart McCullagh is an experienced finance and data professional currently serving as Associate Director, Managing Consultant, and Credit Risk Consultant at 4most since September 2021. Previously, Stuart held the position of Retail Models Manager at the Royal Bank of Scotland from February 2015 to September 2021, where responsibilities included the development, validation, and monitoring of IRB Basel models with a focus on LGD for secured lending, along with line management of three senior analysts. Prior roles include Data Scientist at Allstate Northern Ireland from October 2012 to January 2015, specializing in quantitative analysis and statistical modeling, and Software Developer at the same company from May 2010 to September 2011. Stuart holds a Master of Science in Risk Management and Financial Regulation and a Bachelor of Science in Mathematics, both from Queen's University Belfast.
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