Anatoly Nigmatulin is currently Head of Credit Risk at N26, where he is responsible for the group's credit risk measurement, steering and oversight, enables lending business expansion with advanced AI/ML-based credit risk modeling and analytics, and leads the company's credit back office. Previously, Anatoly worked at Boston Consulting Group (BCG), where he led projects in risk management and regulation, digitalization, strategy and cost transformation for major European banks. Anatoly began his career at BMW Financial Services in credit risk modeling and portfolio management. He studied economics, focusing on finance, statistics and econometrics in Regensburg and Helsinki and continues to maintain ties with academia through guest lectures in the DACH region.