PhD (Edinburgh,UK); MSc in Operational Research & Management Science (Edinburgh, UK); MA (Russia).
Prior to her current position at the Associate Professor level, Galina worked at Bank of Scotland and held the prestigious ESRC post-doctoral fellowship. She was a Visiting Scholar at NUY Stern Business School and University Milano-Bicocca. Her research evolves around credit risk of individuals and small businesses (SMEs) using advanced statistical and machine-learning techniques. She investigated profitability of individual accounts in consumer credit, explored the performance of UK SMEs through the credit crisis, inferred the effect of management capability on SME credit performance. She published in top journals - Risk Analysis: An International Journal, European Journal of Operational Research, Journal of Financial Stability, Financial Accountability and Management, Expert Systems with Applications. She led and collaborated on a number of consultancy projects in credit risk and risk analysis.