Barbora Stepankova, PhD, is a highly experienced research specialist currently employed at Vitality since February 2023. Prior to this, Barbora held several key positions at Credit Benchmark from April 2016 to January 2023, including Head of Research and Development and Research Director, where responsibilities included product development for credit risk management and data analysis. Previous roles include positions at the European Central Bank, The University of British Columbia as a teaching assistant, and internships at PwC, Roland Berger Strategy Consultants, and KPMG Czech Republic. Barbora's academic credentials include a Doctor of Philosophy in Finance from Charles University, a Master in Economics from The University of British Columbia, and additional master's degrees in Finance and Econometrics, all complemented by extensive quantitative and analytical expertise.