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Pavel Golota is a seasoned professional in credit risk analysis with extensive experience across multiple financial institutions. Currently serving as a Senior Analyst at Visa since August 2024, Pavel previously held the role of Model Risk Analyst II at Vervent, where independent statistical validation of credit risk models was a key focus, leading to significant insights for senior management. At "Altyn Bank" JSC, Pavel excelled as Manager for Credit Risk Projects, implementing credit risk models that notably decreased loan default probabilities. Earlier roles at «First Heartland Jusan Bank» JSC included Deputy Head of Office and Chief Risk Manager, where leadership of an analyst team and development of credit scoring models were pivotal. Educational qualifications include a Master's degree in Mathematics from Lomonosov Moscow State University and a Bachelor's degree in Finance from the Eurasian Humanitarian Institute.