Ioanna Stanegloudi is a seasoned credit risk professional with 20 years in the banking & management consulting industry. She has served in positions related to credit risk assessment, management and mitigation. She possesses significant experience within the fields of financial business modeling, as well as financial analytics for financial institutions and management consulting firms. Ioanna is the co-founder & Chief Risk Officer of Finclude, a pan-European scoring provider for individuals that assesses affordability & creditworthiness through analyzing their spending behavior on transactional data.