Carla Boustany is a Principal Solutions Advisor for Risk Modeling & Decisioning at SAS Institute, bringing over 16 years of experience across banking, financial risk management, credit analytics, and enterprise decisioning to some of the world's leading financial institutions. Based in Ottawa, Canada, Carla serves as a trusted advisor to C-level executives across the globe providing strategic risk advisory and presales leadership on complex global solution sales initiatives. Her expertise spans risk modeling, model validation and monitoring, credit process optimization, agentic AI in credit decisioning, risk-based pricing, portfolio management and collections optimization. Before joining SAS, Carla held risk advisory and analytics leadership roles at Aptivaa Middle East and Byblos Bank, where she developed and validated credit risk models including PD, LGD and EAD frameworks and led risk modeling, risk and capital reporting and stress-testing initiatives. Carla is a Certified Financial Risk Manager (FRM), trilingual in Arabic, English, and French, and holds an MBA in Finance and a Bachelor's degree in Mathematics.
Most lending teams don’t wake up one morning and decide they’re comfortable taking on more risk. It builds over time – gradually enough that it’s easy to miss until there’s a real problem to deal with. In captive finance organizations, that shift is rarely isolated. It’s usually tied to something
