I am a senior banking professional with 20+ years experience in the areas of Credit Risk Model Development / Validation, Forecasting, Stress Testing, Advanced Analytics, Portfolio Management, and NPL Management.A certified and proficient SAS user, I can offer significant expertise in the delivery of advanced analytics, modeling, and scoring projects.I spent eight years in the UK banking industry with major institutions such as Barclays, Lloyds TSB, and Morgan Stanley / Discover Financial Services. I returned to Greece in 2008 and have worked for Citibank, Piraeus Bank and Statistical Decisions. My current role is with Eurobank, where I specialize in Modelling, Scoring and Advanced Analytics projects.I have a Masters degree in Applied Economics from the University of Surrey and a Bachelors degree in International Business from The American University of Paris.I am passionate about data analysis. I strongly believe that properly structuring, analyzing and interpreting data leads to better and more informed decision-making, which in turn creates a no-surprise environment. This is crucial for companies that need to respond to challenges by acting quickly, but still need to make informed, data-driven decisions about risk, capital requirements, and expected loss.