Sage Jarrow Young
Building at the intersection of banking and technology.
I work in banking and ship web products — writing on credit risk, cyber resilience, and how software reshapes financial systems.
Finance depth. Builder instincts.
I bridge banking operations and software — designing credit risk models, assessing cyber risk for leadership teams, and building products that hold up in the real world. 🇬🇧 🇿🇦
Cyber risk has moved from a technical problem to a leadership one. Clarity beats tooling: knowing what’s at risk, and what you’d actually do when something breaks.
The same lens applies to lending, payments, and crypto infrastructure — pragmatic systems with skin in the game.
- Practical over theoretical — ship, then refine
- Clarity and simplicity in systems
- Skin in the game
“It is not the critic who counts… The credit belongs to the man who is actually in the arena…”
Where I spend my attention.
Five pillars of work and writing.
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Banking
Deposit flows, lending structure, and the operational reality behind strategy.
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Web development
Fast, thoughtful interfaces with engineering that stays maintainable.
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Credit risk
Pragmatic models and controls that serve customers and the P&L.
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Crypto
Infrastructure, issuance models, and market design through a risk lens.
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Cyber security
Risk assessment, operational resilience, and frameworks leaders can act on.
Practical builds and experiments.
Case studies from shipping products at the finance–tech edge.
Interactive Loan Data Analysis
TensorFlow.js powered, client-side exploration of loan performance — privacy-first and fast.
Read case study → E-commerceLaybella.co.uk
Storefront on WordPress + WooCommerce with conversion-focused UX.
Read case study → Web appCastleWatch
Security monitoring and alerting — lightweight, transparent, and built to learn.
Read case study →Notes worth keeping.
Cyber risk, banking systems, books, and builds.
- How Cyber Attacks Happen: Attack Methods Explained
- Cyber Attack Stories: Lessons from Real Incidents
- Cyber Risk Assessment (UK) — A Blueprint for Leadership Teams
- Interactive Loan Data Analysis with TensorFlow.js
- Building Laybella.co.uk with WordPress and WooCommerce
- Building CastleWatch: My Journey into Web Development
- Peak: Secrets from the New Science of Expertise
- 4,000 Weeks: Time Management for Mortals