Gil Santos is a Credit Data Scientist at Credora since July 2023, focusing on developing innovative credit scoring systems. Prior experience includes serving as a Senior Data Scientist at BNP Paribas Personal Finance from October 2021 to July 2023, where Gil worked on credit model development within the Risk central organization. At Liqui.do Portugal, Gil held the position of Data Scientist from March 2020 to October 2021, concentrating on Credit Scores and Regulatory Models. Earlier, Gil was a Data Engineer at Nokia and participated in a trainee program, gaining diverse experience in data engineering and business efficiency projects. Gil began a research fellowship at IDMEC - Instituto Superior Técnico in 2016. Academic credentials include a Master's degree in Mechanical Engineering from Instituto Superior Técnico and an Erasmus program in Automobile Dynamics from Universitat Politècnica de Catalunya.