Personal Chair of Societal Aspects of Credit
Roles and Responsibilities
Director of Credit Research Centre.
Previously held academic leadership roles include Head of the Management Science and Business Economics group, Director of the Edinburgh Centre for Data, Culture and Society, and Programme Director of MSc Banking and Risk.
Guest Editor of Special Issues in Annals of Operational Research, International Journal of Forecasting, Journal of Operational Research Society.
Chair of Credit Scoring & Credit Control international conference (XVIII and XIX).
Background
PhD (Edinburgh,UK); MSc in Operational Research & Management Science (Edinburgh, UK); MA (Russia).
Prior to her current position as the Personal Chair of Societal Aspects of Credit, Professor Andreeva worked at Bank of Scotland and held the prestigious ESRC post-doctoral fellowship. Her research explores credit risk of individuals and SMEs, focusing on financial vulnerability, fairness, and the social impact of credit. She applies advanced statistical and AI/machine-learning techniques to Big Data, particularly Open Banking transactions, and works closely with industry and policymakers to improve access to fair and sustainable credit.
Galina publishes in top academic journals - Risk Analysis: An International Journal, European Journal of Operational Research, Journal of Financial Stability, Financial Accountability and Management.
Galina’s research has a strong practical focus and involves practitioners as partners, sponsors or data providers. She led and collaborated on a number of research and consultancy projects in credit risk and risk analysis.
Galina has contributed to policy debates on credit and AI, including evidence to the UK Parliament Treasury Committee (2025), reports on consumer duty and financial vulnerability, and a study for the European Credit Research Institute on data sharing and alternative in credit markets.
The recent press coverage of her research include The Guardian, the BBC, Sky News, the Daily Record, the Times, the Herald, the Edinburgh Evening News, the Scotsman, the Sun, the i-newspaper, the Scottish Daily Mail, the Sunday Post.
Galina leads the Credit Research Centre, consisting of 18 academic members and external affiliates. She supervised 12 PhD students to completion on topics of Open Banking, fairness in credit, ESG in credit risk, cryptocurrencies, and stress-testing. Current PhD students: Louise Rowllings, Maitena Pineiro, Elsie Hu.
Professor Galina Andreeva presents Credit Research Centre
Professor Galina Andreeva gives evidence on AI to the UK Parliament
Research Interests
Current research interests and potential areas for PhD supervision are as follows:
- Fairness and algorithmic bias
- Alternative finance, fintech and improving access to credit
- New types of information in credit risk assessment, including Open Banking
- Psychology of credit behaviour, behavioural finance
- Climate credit stress-testing
- Profit scoring.