Marcin Zamojski is a PhD econometrician with over a decade of experience, currently serving as a Senior Quantitative Risk Analyst at Nordea, the largest bank in the Nordics. In this role, he leads validation efforts for Internal Ratings-Based (IRB) models across a diverse, multinational team. He collaborates closely with model owners to enhance methodologies, predictive performance, and stability in Probability of Default (PD) estimation for retail and non-retail portfolios.