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Carlos Rivero Antonio has a strong background in risk modeling and analytics. Carlos was the Chief Analytics Officer at CESCE, a Spanish ECA, starting in 1996. Prior to that, they worked at Groupe PSA as the Head of Risk Modeling, where they focused on modeling scoring systems in car financing, CRM, and control. Carlos also dealt with Basel II regulatory requirements. Before joining Groupe PSA, they worked as a Scoring Analyst at ACRISA from 1987 to 1988.

Carlos Rivero Antonio has a bachelor's degree in Mathematics with a focus on Statistics and Operational Research from Universidad Complutense de Madrid, which they obtained from 1982 to 1987. In 1982 to 1984, they pursued a teaching degree in Computer and Information Sciences from Universidad de Salamanca. Carlos later earned an MBA in Financial Markets from the University of Deusto in 1995 to 1996. In 2010, they completed an MBA program at Universidad Nebrija. Additionally, Carlos has obtained certifications in Ciberseguridad from neddux and Development of Credit Scoring Applications Using SAS Enterprise Miner (14.2) from SAS in 2023 and 2020 respectively.