Karima Modrik

Karima Modrik, Ph.D., currently serves as an IFRS 9 Manager at Principality Building Society since March 2023. Prior experience includes roles as a Senior Credit Risk Analyst at Hastings Direct and at Principality Building Society, where Modrik contributed from April 2019 to August 2022. Modrik's background also features a position as a Group Data Modeller & Analyst at Creditsafe and as a Credit Risk Analyst at Spread Research. Academic experience includes lecturing at Nancy University and Université d'Angers. Karima Modrik holds a Ph.D. in Banking-Economics and a Master’s degree in International Finance from Université d'Angers, along with a Bachelor's degree in Economics-Management from Université de Corse Pascal Paoli.