About the Author

David Edelman

David Edelman, who holds degrees in statistics from the University of Glasgow and Harvard University, embarked on an academic career before moving into banking. He then spent 17 years working in credit risk management for two major Scottish banks. In 2003, Edelman began operating as a freelance consultant, interim manager, and trainer. In the past 17 years, he has served hundreds of clients from over 30 countries and across five continents.