Dr Liuben Siarov is a scientist and executive specialising in the design and development of intelligent autonomous decision systems. He is a founding member of the data science team at Kreditech, where he was the technology leader behind one of the world’s most advanced credit risk comprehension and measurement systems, built entirely around big data. He is chief data scientist at Coya, an emergent German full-stack digital insurer set up to reinvent the insurance experience via artificial intelligence. Siarov holds a PhD in sociology and an MSc in finance.