Kristine Nicole Avio

Kristine Nicole Avio currently serves as a Risk Management Analyst at the Asian Development Bank (ADB) since January 2024. Previously, Kristine worked at Robinsons Bank Corporation from May 2018 to December 2023 as a Credit Analytics Officer, where responsibilities included calibrating and enhancing the Expected Credit Loss (ECL) and Probability of Default (PD) models, conducting model backtesting, and preparing ECL performance reports. Prior to that, Kristine held positions at ANZ from July 2014 to May 2018 as a Markets Officer and Payments Officer, managing trade settlements and payment processing for private banking transactions. Kristine holds a Bachelor of Science in Economics, with a major in Development Economics, from the University of the Philippines Los Baños (2009-2014), and studied at Maryhill College, Lucena City, Quezon (2005-2009).