Galina Andreeva

Galina Andreeva is a Personal Chair of Societal Aspects of Credit at the University of Edinburgh Business School. 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. Her research also includes the psychology of debt and financial behaviour, including the intersection between gambling related harms and financial difficulties. She publishes in top academic journals and has contributed to policy debates on credit and AI.

Galina Andreeva is a Professor specializing in the societal aspects of credit, with research interests in credit risk, fintech, SMEs, psychology of credit behaviour, and behavioural finance. Her work explores the intersection of financial distress prediction, corporate governance, and machine learning techniques such as support vector regression and survival analysis. She has examined the impact of governance structures, anti-discrimination laws, and behavioural factors on credit scoring and risk assessment. Her research also investigates the role of digital technologies in credit risk modeling and the implications of fairness in credit systems. Andreeva's contributions focus on improving financial inclusion, reducing estimation risk, and understanding the dynamics of SME defaults through advanced analytical methods.