Kristi Rohtsalu has over 10 years of experience in banking. She has worked for the largest regional bank Swedbank and for the major challenger bank LHV Pank in Estonia building provisioning, risk capital, ICAAP, stress testing and IRB models and processes. She has aslo developed retail credit scores for the same banks for mortgage, consumer credit and retail credit product lines. In the non-bank segment she has developed credit scores for a UK-based payday lender and a Lithuanian retail credit provider. Since August 2014 she has been building credit risk systems at Bondora, a leading marketplace lending platform for European personal loans. Kristi holds a MA degree from Tallinn University of Technology.