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Ricardo Turri is a seasoned credit risk professional with extensive experience in data analysis and model development. Currently serving as a Senior Decision Science Analyst at Vanquis Bank, Ricardo focuses on the development and monitoring of credit risk and IFRS9/forecasting models using Python and SAS. Previously, as a Senior Credit Risk Analyst at Lloyds Banking Group, responsibilities included analyzing large datasets and managing a credit portfolio of 30 million customers. Additional roles at Evalueserve and HSBC further developed expertise in credit risk analysis and modeling. Ricardo holds an MSc in Data Science from Birkbeck, University of London, and a Bachelor's degree in Economics from Universidade Federal do Paraná.