Sarah Davies is an accomplished executive leader with extensive experience in analytics, banking, and the airline industries. Known for her strategic vision and data-driven approach, she has led high-impact initiatives that blend innovation with operational excellence across complex, regulated sectors, including the development of the VantageScore credit score in the U.S.. She has authored numerous whitepapers and research insights on consumer credit behavioral analysis and holds several patents in both the credit analytics and airline optimization fields.  Over the last decade, Sarah has focused her time and capabilities developing analytic data solutions for the financial inclusion sector across the world.