Fernando Sanchez, Principal Consultant, Experian Decision Analytics, Experian-Iberia.  Fernando Sánchez has more than 20 years of international experience in advanced analytics applied to credit risk management, working with leading banks and financial institutions in different markets, including Spain, the United Kingdom, the Americas and the Nordic countries. Combining a strong analytical capacity applied to generate business results, with a constant emphasis on innovation, Fernando currently focuses on the practical applications of new approaches born in the digital era, within the Experian Global Consulting team. Fernando is a Statistician from the Complutense University of Madrid and a Master in Financial Management from the University of London.