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Irena Stefanova has extensive experience in risk assessment and data science, currently holding positions as a Data Scientist and Senior Expert in the Risk Assessment Department at DSK Bank since August 2004. Key responsibilities include updating risk assessment rule frameworks, developing and validating credit scoring models, preparing regulatory stress tests, and coordinating credit risk management strategies. Irena also has a background in education, having served as a Mathematics Teacher at Secondary School “St. Kiril & Metodii” and worked as a Mathematics and Statistics Writer for ExpertCollege International. Academic qualifications include a PhD in Statistics and Demography from the Bulgarian Academy of Sciences, multiple master's degrees in Economics, Finance, and Mathematics, and recent training as a certified mediator.