Sumana Ray

Sumana Ray is a seasoned professional with extensive experience in credit risk management and model performance analysis, currently serving as a Senior Assistant Vice President at HSBC since January 2014. In this role, Sumana leads a diverse team managing over 50 Credit Risk decision scorecards and regulatory models for HSBC UK Retail portfolios, focusing on both unsecured and secured business. Proven expertise includes delivering high-priority projects, developing machine learning application scorecards, and conducting in-depth analyses of model performance. Previous positions at HSBC as Assistant Vice President and Lead Manager involved critical regulatory deliverables and model alignments. Earlier roles at EXL, MSCI Services, and Tata Consultancy Services focused on managing credit risk scorecards and data validation. Sumana holds a Master's in Statistics from the Indian Statistical Institute, Kolkata, and a Bachelor's degree in Statistics from St. Xavier's College, Kolkata.