so I'll start with my background. Oh, where I'm working now. So I worked with U S A. And you see as ordination they had certain products, which is property and casualty insurance. Onda the banking from asses, which is a credit, and that about it set up on I fit into the banking and the deposit and the corporate side of the business. Andi Within that I'm into the strategic analytics Andi on a day to day basis. My job function includes understanding the market of the economic trends and understanding what us But our product competitiveness is income, surprising himself the last, and then trying to recommend to the business the ultimate business who handled the property. Loss of that counts whether it makes sense to enter certain pockets or segments. Or it makes sense to get out of seven pockets depending upon it. Watches at the market. Vierin, or, if it's a new expansion, are we want Teoh optimize our credit book in certain areas. So that's my day today, uh, function income. So a fool's originally use our SAS on DA sequel on Tableau Onda? Uh, yeah, On the most part, it ends up in a deck or a power point. Teoh, convince the issue management to take a decision. Ah, either, uh, or to not take a decision depending upon what happens is is we're working up. So that's where I am right now. Record this. I was with cheese, getting warranties on doing similar work. I was with their business cards and business slows and being similar strategic analytics in using analytics, audit analytics, Teoh try business decisions. And that was like for two years. And then before that, I'll work next press almost in the same thing. But I was doing a little bit on breaking as well and some project management as a onda. Before that, I was ah, Tech developer. So I'll tell you how I ended up here from where I started. So when I started, I was a tech developer. But I always wanted to know, uh, this technology why we're even building. So I finished my masters, Lamba because I wanted to get into the business head off. And then when I got in the business, head off it, I realized that, uh, So if this is just one function toe, which seven budget is allowed are allocated and then we have to complete Certainly shitter. So I wanted to understand he who decide this, but it and at what point? So busy to step up on dumb. So what are the functions within the organization with earning money time our costs and Kirsten my profits interest on. So that's how I went into the credit set off. Basically what it is war brings in the cash, Ceramics or cheese are, uh um, you see occurs in the banking said of him. So then I got into bed and then I realize that a lot off this function is now moving towards. Moreover, technology driven decisions like analytical don't just decisions and nobody wants toe just agree to hear. I think so. This market is good. Everybody wants a data, uh, kind of a backing to all the decisions. So that's how things are. More politics. And I was moved antics. So and then you're in terms of future where this industry might be going, and it is very small person. But whatever I know a little bit is in terms off. Ah, deeper. I think that the new sources of data and news was information by the third party yard from internal sources and then we load it upon. That's a big data. And then, yeah, that's a convenience exercise. Very keeping proven on the idea being that you want to do quickly to the person who you think would read a the best at the best times. And then you make some money from both sides because there'll be some people will not be, but it still won't make money. So where is that sweet spot? So that's when brown going exercise. I go, yeah.

group backwards. So in terms, self working from home now become a They're really working from home, which is the jobs that doesn't require you to be at the site on. You can basically variable that work through laptop and goodbye connection. So yes, to your point, right now, it's all work from home. But prior to this ah epidemic, there was some portion. It's a dependable nomination. Dog nation. Some of nations are looking flexible and work from home and some of nations or not on you see Dog Nation that I'm in right now. So they were the pioneers in the remote work because we served gently to the military members and the spirit across. And so beer pretty opening the welcome Humber tees had a little bit more conservative approach in terms of work from home. So they wanted more people to be at the office, which is fine. An Amex was also some in the middle, so they wanted some people work from home. Some people Toby it office because there is a problem. Constable sent off it so because I personally feel work from office is a better option because you meet with people and then there's ideas that certainly it's easy to just welcome to my desk and I cannot get the discussion going. But yes, uh, I would say in the work hours, it's generally 40 work 40 hours a week, but then give or take some hours will be additional, depending upon Hey, marketing, launching a big product then you can't be. There's Nobody can just. But it's not that your work will not be finished. But then there's so many people who are starting that whole, uh, like a really raise, so something you might be dependent someone else minutes in the world so inadvertently kind of gets your job will likely later. I mean, stand near of Lower Coast. But whatever lessons most of the organizations they do respect, let a few put into next hours. They compensate that, if not ah, through dressed like a salve your compensation. But in terms off like, hey, take a day off this week. So it's always a balanced, so new information would basically over work you to death. So that's one. And then, yeah, in terms off my, uh uh, you asked me. The first question was the first part of this noted question was what they're doing a Billy What job function? Reporting to. Okay, So in terms of hierarchy, I'm the credit side of it. Most of the information in that credit would have a very single healthy. Some kind of resignations would be, ah, analyst and then the lead analyst and then VP or vice president on. Then you becoming your executive director, and then you been basically at that point, you start merging with the sea suit, which is like sitting in a sea of yours. You will see out of deepest, uh, officer. And in terms of a natural path, it started analyst Unilever function would include Oh, like you will be given somebody a little bit small piece we and leading to find some friends. And then your lead would basically have, like that support me and let's chill clinical information and then packaged information into something more useful depending on what they came to solve. For a obvious for most paratransit from some kind of a deck like a power point where you, Leo, that his work he started to solve for this the work you saw this water recommendation is for most by that has to be a recommendation unless itself uh, Lego for your information kind of exercises, but for most. But you just don't give information. You, uh, get them from Snow Point. Very. Say that here. This information makes me think this. Or you can get a possible Snyder's how it will play out The casino menu doesn't have time to go through all and as this so you can keep the complexity ourselves. But they might be the instant recommendation because there have 100 things and this is just one function. Onda, Uh, And as you grow in your career, what happen is as elite level, you'll understand. You want to function some certain certain portions, but once you go a little higher, then you'll understand why you're doing what you're doing. And you'll be much closer to our day to day decision making. It was a little more higher than you'll have much more responsibility in terms, but analytics, this is one function. Then they will be complains than there is being liquidity. That is a fraud also going on and then, uh, on a huge strategic decision of nations even moving towards different product itself. So you will have, especially at that level. So yes, I hope. Yeah. Somebody want to get into the credit risk said off. Ah, the industry. This gives a might view if that idea off.

since ah, the family towards his sask and says being ah ah, not opener softer. It's a lot of other nations speak for SAS license. When I see it sets as well as simple, as if I want to use as I need to have my own license, I can assure you went in it eso for its satellites instead of being on the secret list. Basically, tree. It's a layer on top of most of the databases. That's one who that's used heavily you would know how to use. We should know a lot of excel because in the end, between your beat up wolf and everything that you have analyzed on what all your present it on the deck, the middle layer is always the Excel sheet, but Rolex and shit. So a lot of your report it wasn't there. The last Yes, I think the Big 10 getting nights to use, and then you put it in there and then articulate tableau has also being pregnant that she But you can do a lot of benefits on that. It's more of a presentational on the motor off. Hey, you can cut it through different views and then a passage in tow, which you could have done on the people there. So but glad it's on Benny putting down so badly connection with the brutal sources and you can send out February Ireland. It's much more convenient or faster to. That's Phoenix accepted, because in my function it's not always very solving some problems. But it wasn't the time is like he did what it is. This is what you're seeing 60% of time. A few different things will be like solemn for something that, hey, I said something wrong can do something about it. We want to get here can presenting a lot So there's always a politician side of mistakes, 50% a time. Then there's a 50% is politics where you use more seats? Asked our sequence. Any blood of national, they want to get into open source like cheese Waas. Then this beytin. That's a good tool to learn, but it's depend upon other nationals. There is mental instability and what they think, because the big organizations there is the complaints, so they want to stick to some traditional talkers like Sask. I'm some, but what? I'm seeing it to mix some data, which is not so sensitive. They allow people to work bite him. But I think the sensitive and has a lot of evolution. Oversight distance to good SAS in the tradition, it always liberating, uh, political.