Galina Andreeva Headshot

Personal Chair of Societal Aspects of Credit and Head of MSBE Group

+44 (0)131 651 3293

Roles and Responsibilities

Director of Credit Research Centre, Joint Head of Management Science & Business Economics.


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 evolves around credit risk of individuals and small businesses (SMEs) using advanced statistical and machine-learning techniques, applied to Big Data, in particular Open Banking (OB) financial transactions.  An area of specific focus is financial vulnerability, fairness and social impact of credit. 

Galina publishes in top academic  journals - Risk Analysis: An International Journal, European Journal of Operational Research, Journal of Financial Stability, Financial Accountability and ManagementShe guest edited two special issues on Credit Risk Modelling, and was on organising committees of three major international conferences in Credit Risk.

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. 

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.

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.

Research Fingerprint

View Galina’s Research Fingerprint

Works Within

Research Area