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Paul McFarlane is an experienced finance professional specializing in credit risk modeling and analytics. Currently serving as the Mortgage Modelling Team Manager at NatWest Group since March 2022, McFarlane previously held the position of Risk Modelling Manager at Sainsbury's Bank from June 2013 to March 2022, where responsibilities included the development of credit risk models and credit strategy design. Prior to that, McFarlane was a Credit Risk Manager at RBS from April 2005 to June 2013, focusing on Advanced-IRB models and managing a team of analysts. Earlier experience includes a role as a Credit Risk Analyst at Halifax and a Business Analyst position at Experian. McFarlane holds a MA (hons.) in Mathematics and Economics from the University of Glasgow.