Sarah Karanja is an experienced professional in the field of model validation and credit risk analysis, currently serving as the Head of Model Validation at DLL since February 2019. In this role, Sarah manages a team responsible for validating various models within the Rabobank Model Inventory, including credit risk and provisioning models, in compliance with EPS regulation in the US. Previous experience includes positions as a Credit Risk Model Developer and Model Validator at ING, where responsibilities included developing and assessing regulatory models, and advising on optimization strategies. Sarah's academic background includes a Doctorate in Computational and Applied Mathematics from Eindhoven University of Technology, a Master of Science in Financial Mathematics and Statistics from RPTU Kaiserslautern-Landau, and a Bachelor of Science in Mathematics and Computer Science from Jomo Kenyatta University of Agriculture and Technology.