Kar Yin Lam

Kar Yin Lam is an independent consultant currently providing expertise through Eleven-Twentyfive Consulting and serving as a credit risk model expert at ING. With a robust background in credit risk modeling, Lam has held positions such as Senior Credit Risk Modeller at both Nationale-Nederlanden and de Volksbank. Their previous experience includes overseeing work as a Supervisor at De Nederlandsche Bank and risk management at SNS REAAL. Lam holds a PhD, MSc, and BSc in Econometrics from Erasmus University Rotterdam.