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Pavel Milyushin has extensive experience in credit risk management and analysis, working in various financial institutions since 2004. Pavel has held positions such as Senior Credit Risk Manager, Senior Underwriter, and Senior Credit Analyst, where Pavel has been involved in analyzing individual transactions, assessing risks, providing independent risk opinions, monitoring portfolio assets, and developing credit facilities. Pavel has also been involved in the development of scoring systems, rating models, and risk management systems for corporate customers and financial institutions. Pavel holds a degree in finance from the Finance University under the Government of the Russian Federation.