Gizem Dinc Cetinalp is a Credit Risk Modeller at Rabobank since August 2022, with previous experience as a Senior Credit Risk Model Validator at Credit Europe Bank N.V., where responsibilities included quantitative analysis and validation of IFRS9 PD&LGD models. Prior roles include Consultant at Moody's Analytics, contributing to Credit Risk Solutions projects, and Analytics Consultant at Assisto Consulting Ltd., focusing on developing PD models and data quality improvement. Earlier experience encompasses Financial Risk Management Associate at PwC Turkey, conducting statistical analyses and model validations, and Market Risk Analyst/Management Trainee at ICBC Turkey, managing regulatory market risk reports. Gizem holds a Bachelor’s Degree in Econometrics from Marmara University and has furthered education at Boğaziçi University and Beijing Language and Culture University.