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Kamel Bazizi, Ph.D., currently serves as the Head of Credit Loss Forecasting for Retail Banking and Mortgage Lending at Citi, a position held since August 2022. With extensive experience in consumer credit risk management, Bazizi has previously held senior roles at Investors Bank, U.S. Bank, Ally Financial Inc., Aurora Bank FSB, Fannie Mae Foundation, and JP Morgan Chase, focusing on risk analytics, credit exposure management, and market risk oversight. Academic credentials include a Ph.D. in Physics from the University of California, Riverside.