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Daniela Cadavid is a seasoned professional in credit risk management and data science, currently serving as the Credit Risk Manager at PayJoy since July 2023. With a robust background that includes leading financial risk projects at will bank and overseeing data science teams at Banco PAN, Daniela has developed a strong expertise in behavior risk modeling, financial risk policies, and the implementation of data-driven strategies. Daniela's career spans various roles in recognized financial institutions, showcasing a consistent focus on leveraging advanced analytics and machine learning techniques to optimize credit risk processes. Daniela holds a Master of Science in Industrial Engineering with a concentration in Applied Statistics, alongside multiple degrees from Universidad de Los Andes, including Bachelor's Degrees in Biomedical and Industrial Engineering.