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Elisabeth Carvalhosa has extensive experience in financial risk management and credit analysis, currently serving as Chargée d'Affaires Risque at GALIAN since December 2014, a leading independent group in financial guarantees in France. Prior to Galian, Elisabeth held positions at Honda Motor Europe Ltd as Responsable Crédit Client, managing client credit for one of the world's leading motor vehicle manufacturers. Elisabeth's career also includes serving as Analyste de crédit at Volkswagen Financial Services and LeasePlan, where expertise in financial services was developed. Early career experience includes client advisory roles at Fortuneo, one of France's prominent online banks. Elisabeth completed education at Université Sorbonne Paris Nord.