Vera Tolstova is a seasoned professional in credit risk modeling, currently serving as the Product Owner at ING since 2024. Previously, they were a Research & Advice Professional at ING and held the position of Assistant Director at Moody's Analytics, where they led advisory projects and model development for major banks across Europe and the Middle East. Vera earned their PhD in Economics from CERGE-EI, alongside a strong academic background with multiple degrees in Economics from Novosibirsk State University. They have also contributed to the academic field through various conference presentations and working papers during their tenure as a PhD candidate.
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