Anatoly Nigmatulin | Head of Credit Risk
N26

Anatoly is a seasoned leader in the Banking and Tech industry, focusing on lending and risk management. Throughout his career, he built up and led high-performing risk teams, constructed strongly growing and profitable credit portfolios and spearheaded large-scale transformations under new macroeconomic, regulatory, and technological realities.
At N26, Anatoly has been instrumental in enhancing the bank's approach to lending and credit risk. He developed a modern credit risk function that leverages advanced machine learning and data analytics, propelling the bank's lending portfolio expansion and profitability. His strategic initiatives have not only improved the financials but also overall risk management and governance practices, contributing to the company's sustainable growth.
Prior to N26, Anatoly worked at the Boston Consulting Group (BCG). He led large digitization initiatives, regulatory programs and strategic transformations for large European banks, focusing on credit and risk management departments. His ability to drive change in complex environments delivered financial benefits to his clients through faster time-to-market and cost efficiency while ensuring regulatory compliance.
Anatoly's foundation in credit risk management was laid at BMW Group Financial Services, where he developed end-to-end advanced rating and scoring models and managed credit risks both for retail and corporate portfolios.
Beyond his professional endeavors, Anatoly is committed to sharing his knowledge through lecturing on credit risk management at top-tier universities. His academic background in financial theory and econometrics, combined with his real-world experience, provides valuable insights to students in Europe.