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Joao Figueiredo is an accomplished professional with extensive experience in credit risk management and modelling. Currently serving as Head of Credit Risk Modelling at Metro Bank in the UK, Joao has held key roles at various financial institutions including senior positions at BNP Paribas and Parker Fitzgerald, which is now part of Accenture. Joao's expertise spans across commercial modelling, model validation, and risk management consultancy, with a solid foundation in advanced credit risk models developed during tenures at notable organizations such as Lloyds Banking Group, Barclays Wealth, and Deloitte. Academic credentials include an MSc in Applied Statistics and Stochastic Modelling from Birkbeck, University of London, as well as a post-graduate diploma in Risk Management and Derivatives from the University of Lisbon.