Galina Andreeva Headshot

Senior Lecturer in Management Science and Head of MSBE Group

+44 (0)131 651 3293

Roles and Responsibilities


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 NYU 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.

Research Taxonomy

Research Interests

Current research interests and potential areas for PhD supervision are as follows:

  • Alternative finance, fintech and improving access to credit
  • New types of information in credit risk assessment
  • Psychology of credit behaviour
  • Financial education and its effect on credit behaviour
  • Legislative environment of credit scoring models, discrimination in credit
  • National and international differences in risk profiles 
  • Behavioural finance
  • Profit scoring.

Works Within

Research Area