Lilita Gribonika

Lilita Gribonika has a diverse work experience in the field of risk and fraud controls. Lilita started their career at Multibanka, JSC as a Leading Customer Manager in the Investment and Lending Department from September 1999 to November 2002. Lilita then joined NORD/LB as a Risk Analyst and eventually became the Deputy Head of Credit Department from November 2002 to September 2005. Following that, they worked at GE Money as a Risk Analyst from February 2007 to January 2009. Lilita continued their employment with Santander Consumer Finance Europe as a Risk Analyst from January 2009 to April 2010 after GE Money sold their portfolio. From April 2010 to January 2014, they held the role of Regional Portfolio and Risk Analyst at Ferratum Group. Subsequently, they became the Risk & Analytics Leader - East & Central Europe at Ferratum Group from February 2014 to September 2016, where they were responsible for managing risk in 10 locations and assisting countries in their business and risk-related matters. Finally, they served as the Head of Risk and Fraud Controls at Ferratum Group, starting in October 2016 until the present. In this role, they drafted and implemented risk management frameworks, policies, and processes while also developing lending policies and assessing credit worthiness. Additionally, they prepared risk reports for external audits and regulatory bodies, calculated credit loss reserves, and cultivated relationships with external partners.

Lilita Gribonika completed a Bachelor of Engineering in Computer Sciences from Riga Technical University, Latvia in 1997. Lilita then pursued a Master of Science (M.Sc.) degree in Economics from Latvijas Universitate, graduating in 2000. In 2005, Lilita obtained a Master of Science in Economics and Business Administration with a concentration in Financial and Management Accounting from the University of Oulu, where they studied until 2007. Finally, they attended the Hanken School of Economics (Svenska handelshögskolan) from 2009 to 2013, earning a Master of Science (M.Sc.) degree in Financial Information Systems.