Steven Wood is Head of Data Science at Carrington Labs and a recognized expert in credit risk. He has an extensive background in credit risk model development and governance across both consumer and business lending, and leads the data science behind Carrington Labs' credit risk models, cash flow underwriting, and portfolio monitoring. Steven writes on the practical realities of building, validating, governing, and operating credit risk models in production, where performance, explainability, and control have to hold up under real lending conditions.
