GCD's Mission is to help banks understand and model credit risks. The comprehensive data pools are collected over a decade and distributed back to members for their own research and modelling.

 

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GCD is a unique data consortium that owns banks internal data for both PD and LGD. GCD’s data pools support the key parameters of banks’ credit risk modelling: Probability of Default (PD), Loss Given Default (LGD), Exposure at Default (EAD).

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GCD’s library gives access to wide variety of publications on risk related topics. Global Credit Data members work together to analyse the data and discuss methodology issues. GCD has published numerous papers and is actively promoting academic research on the data collected.

Access the Library 

Members not only benefit from exclusive rights and access to credit databases and analytics, but also from knowledge and research facilitation possible via the unique industry association.

Through a variety of forums such as workshops, webinars and surveys, GCD is an active industry participant facilitating the discussion in key strategic areas.

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Global Credit Data collects raw data from its members and distributes it back to them for use in their own analysis and modelling. GCD supports its members by providing a flexible high-end tool on the data pool: the GCD Visual Analyzer. Member banks can create dynamic Reference Data Sets and generate instant views on the data.

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GCD Executive Team

GCD is a global organization that successfully maximizes resources available through scalable teams and operational partners in all key markets around the world.

GCD People

Ramadurai Krishnan

CEO

     

Ramadurai Krishnan

CEO

Krishnan is an effective and commercially astute Banking and Risk Management professional with over 25 years of senior leadership experience delivering industry leading results by aligning complex risk models with commercial objectives.
Krishnan has extensive experience in global roles in Trade Finance, General Banking, Credit, Operational & Market Risk; with an expert knowledge of Basel II, III, Capital Requirements Regulations and Regulatory Frameworks. Has been an executive committee member of the International Chamber of Commerce (ICC) banking commission and Chair of the ICC sponsored Trade Register.

Krishnan has excellent relationship building, mentoring and interpersonal skills, with experience of leading over 50 global teams, as well as collaborating with regulators, institutions and industry network organisations to shape public policy recommendations at an international level.
As a CEO, Krishnan will focus on setting and executing the strategy for the next phase of GCD which will include revenue growth, expanding membership and markets GCD serves and new analytical initiatives like ESG and IFRS9, while fostering an inclusive culture and teamwork.

Olivier Plaetevoet

Data Operations Executive

     

Olivier Plaetevoet

Data Operation Executive

Olivier is a professional in Financial Risk & Data with successful experience as a developer and business analyst on production-grade applications in multiple major European financial institutions.

Graduated with a master’s degree in Business Engineering and certified from the GARP Financial Risk Management (FRM) program, Olivier provides sharp recommendations on business decisions. Along with his passion for IT and related working experience, Olivier works successfully on the border between the two worlds.

Olivier’s character is open and organized. His interest towards various topics makes him adapt effectively and with enthusiasm in new environments; whereas his conscientiousness allows him to deliver quality in his work.

Michaël Dhaenens

Head of IT, Data & Delivery

     

Michaël Dhaenens

Head of IT, Data & Delivery

Michaël is passionate about IT in general and with more focus on Insight and Data domain, especially the Risk and Compliance domain in both technical and business areas.

Thanks to the different roles Michaël has performed in Credit Risk & Financial Crime Control projects, Michaël is a pragmatic and result-oriented Managing Consultant able to deliver and manage the full life cycle of a project satisfying customer expectations and constraints.

Dynamic and determined, Michaël invests himself fully in the tasks which are entrusted to him and is always ready to improve his competencies through training and certifications.

As Fraud subject matter expert and Certified Anti Money Laundering Specialist (CAMS), Michaël acquired strong experience especially with the implementation and coaching of the AML packages.

Akanna Osita-Okeke

Member Support Executive, North America

     

Akanna Osita-Okeke

Member Support Executive, North America

Akanna is part of the North American Support Team. He has over 10 years of experience in the banking industry, where he developed credit risk models and performed data analytics geared towards improving the efficiency of the banks' credit portfolios. He lives in Alberta, Canada with his wife and son, where they like to take advantage of the beautiful mountains and walk the river valley trails.

Nina Brumma

Head of Analytics & Research

     

Nina Brumma

Methodology and Membership Executive
Head of Analytics & Research

Nina has been with GCD for over 5 years and in that time Nina graduated from the Frankfurt School of Finance & Management with her master’s in science, Risk Management & Regulation. 

Jakub Tomczyk

Risk Analytics and Insights Executive

     

Jakub Tomczyk

Risk Analytics and Insights Executive

Jakub has 15 years of experience in mathematical modelling and optimisation of industrial problems. His expertise in financial mathematics steered him to joining Australia's largest banks. Prior to joining GCD he has worked as a Senior Manager in Model Risk and Assurance in CBA and as a Manager in Wholesale Credit Risk Estimates in Westpac in Sydney, Australia.

Jakub is proficient in embedding mathematical modelling into the operational infrastructure of financial institutions. He has delivered a range of projects to date showcasing how mathematics and computer science successfully increase automation and increase efficiency.

Jakub holds a PhD in Financial Mathematics from the University of Sydney, Australia and two MSc degrees in Financial Mathematics and Mathematics for Industry and Commerce from Wroclaw University of Technology, Poland. His strong relationship with academia allows him to tap into the current research and offer a strategic and holistic view of innovation ecosystem factors.

Hale Tatar

North America Lead, Methodology & Data Executive
Global Lead, ESG and Climate Risk

     

Hale Tatar, MBA, BSc CS, CPA, CMA, SCR

North America Lead, Methodology & Data Executive
Global Lead, ESG and Climate Risk

Hale brings an innovative and integrative perspective to business decision-making, thanks to her unique blend of skills in accounting, finance, technology, and management. She holds an MBA and is a Certified Public Accountant (CPA). She also has a Bachelor's degree in Computer Science, adding a technical edge to her profile.

Hale has completed a specialized certificate in Sustainability and Climate Risk from GARP. She's an expert in the emerging fields of climate risk and ESG, particularly how they intersect with credit risk and data analysis. She's put this expertise to work in collaborations with banks and other key players in the financial industry. Her career highlights reflect her dedication to incorporating these critical factors into decision-making processes, ultimately driving sustainable and resilient outcomes.

Hale volunteers her time as a mentor to future CPAs as well as several sustainability and climate related projects.

 

Denisa Wagner Muth

Risk Analytics Executive

     

Denisa Wagner Muth

Risk Analytics Executive

Denisa is a quantitative developer in credit risk area with working banking experience at Raiffeisen Bank International and UniCredit, both located in Vienna. She has 6+ years experience covering LGD & EAD IFRS9 and PD IRB nonretail models.

She holds a master’s degree in Quantitative Economics, Management and Finance from the University of Vienna and bachelor’s degree in Applied Mathematics for Multi-Branches Studies & Economics from Masaryk University. She lives in Austria and has three months old daughter.

Erik Rustenburg

Data Operations Executive

     

Erik Rustenburg

Data Operations Executive

Erik’s responsibilities encompass almost everything to do with the input, templates, standards, data quality and audits, data collection, aggregations, output and returns, documentation and support, and use of the LGD data model. Which is a data pool of credit failures (default) dating back to 1998 for all Basel Asset Classes, where data is submitted from member banks around the globe. Using SAS EG, SAS Base, Tableau ea.

Erik Graduate from Lancaster University with a concentration in Operational Research and from Hogeschool Windesheim with a concentration in Management, Economics, and Law.

Data & IT Partnerships

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Capgemini

Capgemini SE is a French multinational information technology services and consulting company.

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IT Support

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Christophe Van Goey

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Ashwin Bhandurge

Technology & Media Partnerships

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Elephant Ventures

Elephant Ventures is a leading Data-Driven Innovation and Digital Transformation consultancy and Venture Development Studio.

Consultants

Benjamin Galow

Senior Advisor

Philip Winckle

Senior Advisor

 

Directory

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Accenture

Global, leading consulting firm with a focus on technology and real innovation in the financial sector.

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d-fine

d-fine is a European consulting firm which, by means of scientifically minded employees, provides innovative and future-proof solutions through sustainable technological implementation.

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Advisense

Advisense is a leading governance, risk and compliance powerhouse, offering best-in-class services and tech solutions to the European industry.