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Cátia T. is a Senior Credit Risk Analyst at Santander since June 2022, specializing in managing the IFRS9 engine for Expected Credit Loss calculations and ensuring compliance with IFRS9 standards. Prior experience includes roles as a Credit Risk Model Validation Analyst at novobanco, where model performance and adequacy were assessed, and as a Risk Analyst at Crédito Agrícola, focusing on risk appetite framework reporting and regulatory compliance. Cátia began a career at BNP Paribas, progressing from Debt Capital Markets Officer to Supervisor, overseeing operations and team development. Cátia holds a Master of Science in Mathematics Applied to Economics and Management from Faculdade de Ciências da Universidade de Lisboa, a Post Graduate Degree in Statistics and Information Management from NOVA IMS, and a Master of Science in Management from Instituto Politécnico do Porto.