Sonia is a Director in the Credit Risk Analytics division within Deloitte’s Audit and Assurance practice. She has deep expertise in credit risk and macroeconomic modelling, with particular focus on IFRS9, stress testing and AIRB. Her experience ranges from technical model build to model validation, oversight, data, governance and compliance. At Deloitte she leads engagements delivering audit, assurance and advisory projects for a variety of lenders and asset classes.