
Ferdinantos Kottas
@ferdinantoskottas
I build credit-risk scorecards and quantitative portfolio models using Python, SQL, R, and financial econometrics.
What I'm looking for
At Creditinfo and Optasia, I developed credit-risk scorecards and lending strategies across European, African, Asian, and Latin American markets. My work covers the full model lifecycle, from data analysis and feature engineering through validation, deployment, monitoring, and recalibration.
I use Python, SQL, and R to build application, behavioural, fraud, collection, and default-risk models, including IFRS 9 approaches for PD, LGD, EAD, expected credit loss, staging, and early-warning indicators.
My research at Maynooth University, UCD, FMC, and KEPE focuses on asset pricing, portfolio management, risk modelling, and machine learning in finance. I have published research on EU green, grey, and red securities, factor models, crisis sentiment, and equity portfolio construction.
I also analyse equities and cryptocurrencies for VF Investment/VisionFactory, combining fundamental, technical, and quantitative research. I bring applied financial econometrics, reinforcement learning, and data science to decisions on credit risk, investments, and portfolio optimisation.
Experience
Work history, roles, and key accomplishments
Sr Risk Analyst & DA Instructor
Creditinfo
Jun 2022 - Jun 2025 (3 years)
Served as Senior Risk Analyst and Data Analytics Instructor, recognized as Best Employee in 2025. Developed credit risk scorecards and models for multiple markets.
Crypto & Equity Analyst
VF Investment/VisionFactory
Jan 2022 - Jan 2025 (3 years)
Conducted fundamental, technical, and quantitative analysis of equities and cryptocurrencies. Prepared investment research reports and market commentary.
Researcher
Financial Mathematics & Computation Research Cluster (FMC)
Sep 2018 - Aug 2022 (3 years 11 months)
Conducted research in financial mathematics and computation, contributing to projects on asset pricing and risk analysis.
Research Fellow/Teaching Assistant
National University of Ireland Maynooth
Sep 2018 - Aug 2022 (3 years 11 months)
Served as Research Fellow and Teaching Assistant, supporting academic research and teaching activities in finance and econometrics.
Credit Risk Data Scientist
Optasia
Aug 2021 - May 2022 (9 months)
Developed credit risk scorecards and models for various loan portfolios, covering the full modeling lifecycle and regulatory requirements.
Financial Researcher
Centre of Planning and Economic Research (KEPE)
Mar 2021 - Mar 2022 (1 year)
Conducted financial and economic research using quantitative and econometric analysis. Produced research reports and analytical summaries.
Research Analyst (Trainee)
Enpact e.V.
Sep 2018 - Dec 2018 (3 months)
Conducted economic research for Africa, Asia, LATAM and other countries using global databases. Applied statistical techniques in R and created the FSI index.
Computer Lab Assistant (Volunteer)
National & Kapodistrian University of Athens
Sep 2014 - Jul 2015 (10 months)
Provided computer lab assistance and support to students and faculty.
Credit Risk Analyst (Internship)
National Bank of Greece
Jul 2014 - Sep 2014 (2 months)
Analyzed and predicted exposure of mortgage loans and debit card portfolios for Non-Performing Loans. Generated risk assessment reports and presented findings to senior leadership.
Education
Degrees, certifications, and relevant coursework
National Technical University of Athens
M.B.A., Techno-economics systems
2026 -
Grade: Distinction
M.B.A. in Techno-economics systems with Distinction, major in Technology management.
Athens University of Economics and Business
M.Sc., Accounting & Finance
2016 - 2017
Grade: Distinction
M.Sc. in Accounting & Finance with major in Finance and minor in Accounting. Thesis: 'Determine the factors of business investment in euro area countries' with Distinction.
Coursera
Course, Reinforcement Learning
2022 - 2022
Completed the Fundamentals of Reinforcement Learning course.
Aristotle University of Thessaloniki
M.Sc., Data and Web Science
2022 - 2025
Grade: Distinction
M.Sc. in Data and Web Science with Distinction. Thesis: 'Portfolio Management Application based on Ranking and Reinforcement Learning'.
Microsoft
Professional Certification, Data Science
Azure Data Scientist Associate certification.
DataCamp
Professional Certificate, Data Analysis
Professional Data Analyst Certificate.
University of Nicosia
Professional Certification, Blockchain
Blockchain Developer certification.
National & Kapodistrian University of Athens
B.Sc. (Hons), Applied Mathematics
2009 - 2015
B.Sc. (Hons) in Applied Mathematics with triple major: Statistics & Operation Research, Computational Mathematics, and Teaching Mathematics.
University of Nicosia
Independent Course, Digital Currencies
2022 - 2023
Independent course: Introduction to Digital Currencies.
Coursera
Professional Certificate, Data Science
IBM Data Science Professional Certificate.
Athens, Greece
Course, Institutional Stock
2012 - 2012
Completed Training in Helex: Institutional Stock course.
National & Kapodistrian University of Athens
Course, Research Skills
2016 - 2016
Completed Referencing and Research Resources with Effective Literature Searching course.
Athens, Greece
Course, Digital Marketing
2017 - 2017
Completed Digital Marketing & Social Strategy course.
National & Kapodistrian University of Athens
M.Phil., Economics
2016 - 2018
M.Phil. in Economics with dual major in Quantitative methods and Economics Science.
National & Kapodistrian University of Athens
Course, Machine Learning
2017 - 2017
Completed Machine Learning with Matlab course.
Athens University of Economics and Business
Course, Audit, Fraud Detection, Risk Management
2017 - 2017
Completed courses in The Audit, Fraud Detection and Prevention, and Risk Management.
National & Kapodistrian University of Athens
Course, Signal Processing
2018 - 2018
Completed Signal Processing with Matlab course.
Udacity
Nanodegree, Data Science
2020 - 2020
Nanodegree in Programming for Data Science with Python.
Corporate Finance Institute
Course, Finance
2020 - 2020
Completed courses in Accounting Fundamentals, Bloomberg Essentials, Excel Crash, Reading Financial Statements, and ESG.
Coursera
Course, Bayesian Statistics, Investment Technology
2020 - 2020
Completed Bayesian Statistics: From Concept to Data Analysis and Innovations in Investment Technology: AI courses.
Udacity
Nanodegree, Predictive Analytics
2020 - 2020
Nanodegree in Predictive Analytics for Business.
Coursera
Course, Neural Networks and Deep Learning
2021 - 2021
Completed the Neural Networks and Deep Learning course.
DataCamp
Course, Quantitative Analysis
2021 - 2021
Completed the Quantitative Analyst with R and Python course.
University College Dublin
Visiting PhD Student/Researcher, Finance
2018 - 2022
Visiting PhD Student/Researcher in Finance at the Smurfit Business School.
University of Macedonia
M.Sc., Business Analytics & Data Science
2021 - 2024
Grade: Distinction
M.Sc. in Business Analytics & Data Science with Distinction. Thesis: 'P.M. & Allocation Strategies: DRL vs. Traditional approach'.
National University of Ireland Maynooth
Ph.D., Empirical Finance & Financial Econometrics
2018 - 2024
Ph.D. in Empirical Finance & Financial Econometrics, with research collaboration with UCD. Research areas include asset pricing, portfolio and risk management, financial econometrics, and ML & AI in finance.
University of Nicosia
Exchange student, Computer Science and Engineering
2023 - 2024
Exchange student in the Department of Computer Science and Engineering.
Democritus University of Thrace
M.Sc., Applied Mathematics
2025 - 2026
Grade: Distinction
M.Sc. in Applied Mathematics with Distinction.
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