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Julia Zabavina is an experienced professional in credit risk analytics, currently serving as the Head of Credit Risk Analytics at Avida Finans AB since January 2020, where responsibilities include developing and maintaining impairment forecasting models and analyzing model outputs. Prior to this, Julia held the role of Credit Risk Analyst in Underwriting Management at EnterCard Group AB, a joint venture between Barclays Bank and Swedbank, from March 2018 to January 2020. Julia's early career included positions as a News Reporter at both RosBusinessConsulting and Новые известия. Academically, Julia holds a Master's degree in Economics and Financial Mathematics from KTH Royal Institute of Technology and two degrees from Higher School of Economics, including a Bachelor's degree in Economics and a Master's degree in Management in Mass Media.