Vishal Kumar is a seasoned professional in retail credit risk, currently developing credit risk models and parameters for Digital Bank Europe at Banco Bilbao Vizcaya Argentaria. Previously, they held managerial roles at KPMG Lower Gulf and Deloitte, focusing on IFRS 9 implementation and credit risk model validation across various regions including Oman, the UAE, and India. Vishal began their career as a Statistical Analyst at WNS Global Services and has further honed their analytical skills at firms like Accenture and EY. They hold a Master's degree in Applied Economics from the Madras School of Economics and a Bachelor's degree in Commerce from the University of Delhi.
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