Senior Members of the Team

Bayan Uralbayeva


As a CEO, Bayan is responsible for implementing existing plans and policies, ensuring the successful management of the business and setting future strategy.

Bayan is a skilled Management Consultant with over ten years of significant international experiences across EMEA in implementing credit risk related models, systems, software solutions and new technologies. As well as ensuring the smooth and timely delivery of services. Bayan previously worked at Standard & Poor’s Risk Solutions group as a Credit Risk Consultant covering Central Europe and later Emerging Markets. Also worked at Satuit Technologies a cloud-based and on premise reporting software provider for the asset management market, covering the UK and Europe.

Bayan has MSc in International Accounting and Finance from Cass Business School, City University, London, United Kingdom, and BSc in Economics and Mechanical Engineering

Paul Waterhouse

Global Head of Analytics 

As a Global Head of Analytics Paul Waterhouse oversees analytical model development & support.

His experience in credit and insurance risk spans more than a quarter of a century. He has successfully assisted risk-sensitive institutions across the globe in developing and implementing best-practice risk methodologies and processes. He was previously the Managing Director and Global Head of Analytics & Innovations at Standard & Poor’s Risk Solutions. As well, Senior Director at Standard & Poor's Rating Practice (1996 – 2010). He has also worked as Senior Actuary for GE Frankona Re, and has also held positions at ELMAC, Colonia Mutual Life.

He is a Fellow of the Institute of Actuaries and holds a BSc in Mathematics from Manchester University.

Ekaterina Quenelle - Novikova

Chief Quality Officer

As a Chief Quality Officer Ekaterina oversees the quality of analytical work.

Ekaterina is a professional with over 20 years of experience. The last 15 years she dedicated to the credit risk industry. As a senior rating analyst at S&P Global, for a number of years Ekaterina held responsibilities for high profile credits in Russia/CIS, Central and Eastern Europe as well as French-Speaking Africa. She participated in missions to over 20 locations on three continents, maintained relationships with the World’s largest investment institutions, spoke at conferences and commented to the media.

Ekaterina holds a Postgraduate Degree (DEA) from the Paris Dauphine University and a Master from the Moscow State Linguistic University.

About Us

Risk-Enterprise is a team of credit risk management professionals. We combine the expertise expected of a global professional services firm with the client focus and senior leadership attention of a boutique. We seek to deliver a unique level of client satisfaction and value.

Our analysts’ experience in credit and financial risk arena spans to more than a quarter of a century.
We have successfully assisted risk-sensitive institutions across the globe in developing and implementing best-practice risk methodologies and processes. We consolidate our analytical expertise with innovative software development to deliver effective solutions that facilitate and enhance corporate credit approval procedures.

Clients' Testimonials

  • During our cooperation, Risk-Enterprise Limited has established itself as a reliable and responsible business partner, representing a team of highly qualified professionals with extensive experience in the field of banking risks.
    I would like to especially commend the high efficiency and quality of the services provided, which, to a large extent, take into account the specifics of the Russian banking system.
    The methodology and scoring modules of Risk-Enterprise Limited, which are constantly being improved, allow calculations to be made both using stationary models and online via the Risk-E interface.
    Moscow Industrial Bank, being a universal credit organization, is focused mainly on working with enterprises of the real sector of the economy. Interaction with Risk-Enterprise Limited allows the Bank to closely comply with regulatory requirements, as well as new international standards.
    Considering the positive experience of collaboration, we are looking forward to future beneficial cooperation with our partners.

    Head of Risk Management Department of Tier 2 Bank
  • За время нашего сотрудничества компания Risk-Enterprise Limited зарекомендовала себя надежным и ответственным бизнес – партнером, представляющим из себя команду высококвалифицированных профессионалов имеющих богатый опыт работы в области банковских рисков.
    Хочется особо отметить высокую оперативность и качество предоставляемых услуг, которые, в достаточно большой степени учитывают специфику российской банковской системы.
    Методология и расчетные модули компании Risk-Enterprise Limited, которые постоянно совершенствуются, позволяют производить расчеты, как с использованием стационарных моделей, так и в режиме онлайн через ВЭБ-интерфейс CRM.
    Московский Индустриальный банк, являясь универсальной кредитной организацией, ориентирован в основном на работу с предприятиями реального сектора экономики. Взаимодействие с компанией Risk-Enterprise Limited позволяет Банку в большей мере соответствовать требованиям регулятора, а также новым международным стандартам.
    Учитывая положительный опыт совместной работы, надеемся на дальнейшее взаимовыгодное сотрудничество с нашими коллегами.

    Руководитель Службы управления рисками Tier 2 Bank