Jürgen Ringschmidt heads the KPMG "Credit Risk Management & Validation" solution and has carried out and been responsible for credit risk projects throughout Europe for major international banks, captives, property 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, specialist data budgets, stress testing, post-merger integration and ESG.