Nilton Cardoso has over 25 years of experience in analytics, credit risk, and econometrics across financial institutions such as PRA Group, Metro Bank, Banco Santander, and FICO. With a Doctorate in Economics from Paris 1 – Panthéon – Sorbonne, he has a strong background in predictive modelling, regulatory compliance, and model governance. His expertise spans risk management, credit scoring, and advanced data strategies, emphasising innovative AI and machine learning applications.