NAEEM SIDDIQI is a Business Solution Specialist-Risk with SAS® Canada. He has over twelve years' experience in credit risk management, both as a consultant and as a user at financial institutions. He played a key role in the development of SAS Credit Scoring, and provides worldwide support for this initiative. Siddiqi has conducted training sessions on this methodology in Belgium, Germany, Hong Kong, Thailand, Malaysia, Taiwan, and Australia, as well as the United States, and is a frequent speaker on credit scoring related topics at conferences worldwide. Siddiqi has an honours bachelor of engineering from Imperial College of Science, Technology and Medicine at the University of London, and an MBA from York University in Toronto.