PhD (Edinburgh,UK); MSc in Operational Research & Management Science (Edinburgh, UK); MA (Russia)

Galina currently holds a position of Senior Lecturer (equivalent to Associate Professor) in Management Science at the University of Edinburgh Business School. Previously she worked at Bank of Scotland and held the prestigious ESRC post-doctoral fellowship. She was a Visiting Scholar at NYU Stern Business School and University Milano-Bicocca.

Her research evolves around credit risk of individuals and small businesses (SMEs) using advanced statistical and machine-learning techniques. She investigated profitability of individual accounts in consumer credit, explored the performance of UK SMEs through the credit crisis, inferred the effect of management capability on SME credit performance. She published in top journals - Risk Analysis: An International Journal, European Journal of Operational Research, Journal of Financial Stability, Financial Accountability and Management, Expert Systems with Applications. Galina supervised eight PhD students to completion, and has been teaching Credit Risk Management at postgraduate and executive levels. She led and collaborated on a number of consultancy projects in credit risk and risk analysis, and developed an Impact Case Study on small business risk for the last Research Excellence Framework.

Her current research interests include:

• Small business survival and performance, affordability and risk modelling

• Alternative finance, fintech and improving access to credit

• New types of information in credit risk assessment

• Psychology of credit behaviour

• Financial education and its effect on credit behaviour

• Data ethics, discrimination in credit

• National and international differences in risk profiles

• Profit scoring