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Jürgen Ringschmidt heads ÀÖÓ㣨Leyu£©ÌåÓý¹ÙÍø's Credit Risk Management & Validation solution and has carried out and been responsible for credit risk projects throughout Europe for major international banks, captives, real estate financiers, leasing companies, investment funds, reinsurers and primary insurers. In the context of credit risk, his personal areas of expertise are modelling/validation, organisation, IRB/CRR, IFRS 9, technical data budgets, stress testing, post-merger integration and ESG.