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Biljana Gvozdic is a Credit Risk Model Validator and Data Science Model Validator at ING since November 2019. Prior experience includes serving as a PhD Researcher at the University of Twente from September 2014 to December 2018, where the focus was on understanding the fundamental physical mechanisms behind heat transfer enhancement in bubbly flows as part of a NWO industrial partnership program. Biljana holds a Doctor of Philosophy in Applied Physics from the University of Twente (2014 - 2018) and a Master's Degree in Chemical Engineering from the Faculty of Technology, University of Novi Sad (2013 - 2014), along with a Bachelor's Degree in Chemical Engineering from the same institution (2009 - 2013).