FOUNDER AND A CHIEF SCIENCE OFFICER

Pavel Charamza

Analytical leader with 20+ years of experience in statistical modelling, credit risk, pricing optimization, and CRM analytics across Europe and Asia. Recognized for building and governing complex predictive models, leading enterprise-level risk functions, and designing advanced decisioning and pricing frameworks within major financial institutions.

  • Former Group CRO at Home Credit International and CRO at Home Credit China.
  • Partner at Infomat-stat and Datarhymes, leading modelling, machine learning, and AI consulting projects.
  • Board Member of Quantitative Consulting, overseeing analytical and modelling projects in banking and consumer finance.
  • Earlier roles include Head of Analytics for HC Russia/Kazakhstan and Scoring Manager at Komercni banka.