Stefan has more than 15 years of international experience in credit risk analytics and consultancy. At Experian Stefan leads the EMEA Analytics Advisory Team responsible for regulatory, economic modelling and risk management advisory. Stefan's specialist areas are regulatory analytics: Basel, IFRS9, stress testing, economic capital; development of models for prospecting, customer acquisition, customer management and collections; early warning and fraud models; data driven Credit Risk Management for retail and SME portfolios.

Davide has more than 15 years of experience in risk management in the areas of credit risk modelling, rating system validation, regulatory compliance documentation, IT architecture to support the internal rating system, regulatory advisory and credit processes. Prior to joining Experian, Davide was Chief Risk Officer at Banca Carim. He has also worked within Unicredit's Risk Governance Unit where he was involved in standardising the risk models' development methodology, and has served as Advisory Senior Manager for some international consulting companies where he ran projects to be compliant with the European regulatory framework.

Tsvetomira has over 20 years of experience in Economics Research and has held advisory roles in the areas of finance, banking, economic modelling, forecasting, monetary policy, financial stability, measurement of risk and uncertainty. In those areas, she is author of publications in internationally refereed journals. She has also held senior roles at the Bulgarian National Bank and the European Central Bank; and was external associate professor in International Economics at the University of Copenhagen.