Pavel Kondratev boasts over seven years of experience in the insurance and retail banking industry, working primarily in data science. He graduated with a Bachelor's Degree in Applied Mathematics and Information Technology from the Higher School of Economics. Kondratev's skill set includes performing analytical reports, developing data marts, and data analysis, and he is particularly knowledgeable in areas such as Machine Learning, Statistics, and Exploratory Analysis. His proficiency in English and Russian makes him a versatile professional. Kondratev's experience in the industry includes working as a Lead Data Scientist, Senior Data Scientist, and a Product Owner for Sberbank, and as a Data Analyst for Allianz Insurance, ORIENT EXPRESS Bank, and GUTA-Insurance. His technical expertise includes using tools such as Python, SAS, and databases such as Hadoop, Teradata, and Oracle.