Dr Galina Andreeva (MA, MSc, PhD) is a Senior Lecturer in Management Science, MSc Marketing & Business Analysis Programme Director at University of Edinburgh Business School. She is a member of Credit Research Centre. She teaches ‘Credit Risk Management’ to postgraduate students, and supervises a number of PhD projects in credit risk area. Her research interests involve risk assessment in consumer credit and SME lending, discrimination in consumer credit markets, financial exclusion, financial integration in Europe, construction of cross-country scoring models, profitability modelling. She has published in reputable journals, including Journal of the Operational Research Society, European Journal of Operational Research, and presented at multiple international conferences. Her research has been funded by the Economic and Social Research Council, Abbey Santander Research Fund, Royal Society of Edinburgh, University of Edinburgh Business School Venture Fund.