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Alba Calvo Leal is a seasoned professional in data science and risk management, currently serving as a Senior Manager Data Scientist at BBVA since August 2017. In this role, Alba develops models for risk parameter estimation related to capital and IFRS9, oversees retail portfolios, and acts as Product Owner for the implementation of new default definitions. Previous experience includes a position as Senior Consultant in Financial Risk Management at KPMG España, where Alba provided consulting on internal credit risk models and contributed to the Target Review of Internal Models (TRIM). Earlier, Alba worked as a Business Consultant at GOAL SYSTEMS, focusing on transportation system modeling and logistics resource optimization. Academic credentials include a degree in Mathematics from Universidad de Valladolid and a Licence in Mathematics from Université de Bourgogne.