Sarah Davies currently serves as an advisor to FinRegLab and NovaCredit, LLC. She has over 30 years’ experience in the credit risk field, serving as an executive leader and innovator in the analytics and decision science field. Notably, she was Senior Vice President of Product, Analytics and Research at VantageScore Solutions, LLC where she led the development of the VantageScore credit scoring models and was instrumental in taking the product from an idea to one of the most recognized and used credit scores in the U.S. market. The VantageScore leverages alternative data to score 33 million more consumers than conventional data credit scores. She has authored numerous whitepapers and research insights on consumer credit behavioral analysis. She holds several patents in both the credit analytics and airline optimization fields. She is a frequent speaker and educator on credit risk and consumer behavioral analytics. She holds a Bachelor of Science in Management Science and Operations Research, a master’s degree in industrial engineering with a concentration in Operations Research and Statistics, a master’s degree in theological studies and a PhD in Theology and Religion.