DataFramed
127 episodes - English - Latest episode: over 1 year ago -DataFramed is a podcast for data & analytics leaders looking to scale data science throughout an organization by equipping them with the insights to drive value from data science and create a data-driven culture. Each episode will feature a conversation with various data science and analytics leaders who are transforming their organizations and are at the forefront of the data revolution. Whether you’re just getting started in your data career, or you’re a data leader looking to scale data-driven decisions in your organization, you’ve found the right community. Welcome to DataFramed!
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Episodes
#124 Using AI to Improve Data Quality in Healthcare
January 30, 2023 11:00 - 40 minutes - 37.3 MBData quality can make or break any data initiative or product. If you aren’t able to collect data that is accurate, or you have data sets that have varying structures, or are filled with typos and other issues caused by human error, then the chances drop drastically that your data models will be accurate, or even helpful. When it comes to healthcare, data quality can be an absolute nightmare. With so many different data sources, high data churn rates, and a lack of standardization in many d...
#123 Why We Need More Data Empathy
January 23, 2023 11:00 - 44 minutes - 40.5 MBWhen working with data, it’s easy for us to think about it as a mechanistic process, where data comes in and products come out. But as we’ve explored throughout the show, succeeding in data, whether you’re a data leader looking to build a data culture, a data scientist ascending the ranks, or even a policy maker looking to have an impact with data, the human side is crucial. At the heart of the “human side” is empathy— whether it’s for your stakeholders if you’re a data scientist developing...
#122 How Organizations Can Bridge the Data Literacy Gap
January 16, 2023 11:00 - 42 minutes - 39.3 MBSomething we talk about alot on DataFramed is the importance of data literacy and data skills — and how they help both individuals and organizations succeed with data. Oftentimes, when organizations engage in upskilling programs on data literacy, one of the common pushbacks people have is, “I am not a numbers person”. So how do you move past that? How can leaders help their people bridge the data literacy gap, and in turn create a data culture? That’s where Dr. Selena Fisk comes in. Fisk ...
#121 — ChatGPT and How Generative AI is Augmenting Workflows
January 12, 2023 11:00 - 48 minutes - 44.3 MBThroughout 2022, there was an explosion in generative AI for images and text. GPT-3, DALLE-2, pointed us towards an AI-driven future. Recently, ChatGPT has taken the (data) world by storm — prompting many questions over how generative AI can be used in day to day activities. With the incredible amount of hype surrounding these new tools, we wanted to have a discussion grounded in how these tools are being operationalized today. Enter Scott Downes. Scott is the CTO of Invisible Technologies,...
#120 Data Trends & Predictions for 2023
January 09, 2023 11:00 - 39 minutes - 35.8 MBIn 2022, we saw significant developments in the field of data. From the emergence of generative AI to the growth of low-code data tools and AI assistants—these advancements signal an upcoming paradigm shift, where data-powered tools and machine learning systems will radically transform workflows across various professions. 2022 also saw digital transformation remain a major theme for organizations across industries as they sought to embrace new ways of working, reaching customers, and provi...
#119 Data-Driven Thinking for the Everyday Life
December 31, 2022 16:00 - 55 minutes - 51.1 MBJust as data is used to help businesses determine new directions, set new goals, and measure progress, data can be used in everyday life to help people do the same as they seek to improve themselves. As the new year arrives, many people are thinking about new goals and new ways to improve their lives, so we have invited Gary Wolf to the show to explore how you can use data-driven thinking to drive meaningful changes in yourself. Gary Wolf is the Co-Founder of The Quantified Self, an intern...
#118 How Power BI Empowers Collaboration
December 19, 2022 16:00 - 38 minutes - 35.6 MBIn programming, collaboration and experimentation can be very stressful, since sharing code and making it visible to others can be tedious, time-consuming, and nerve-wracking.Tools like Power BI are changing that entirely, by opening up new ways to collaborate between team members, add layers of customized and complex security to the data teams are working with, and making data much more accessible across organizations. Ginger Grant joins the show to talk about how organizations can utilize...
#117 Successful Data & Analytics in the Insurance Industry
December 12, 2022 16:00 - 47 minutes - 43.3 MBThe insurance industry thrives on data from utilizing data and analytics to determine policy rates for customers to working with relevant partners in the industry to improve their products and services, data is embedded in everything that insurance companies do. But insurance companies also have a number of hurdles to overcome, whether it’s transitioning legacy data into new processes and technology, balancing new projects and models with ever-changing regulatory standards, and balancing th...
#116 Value Creation Within the Modern Data Stack
December 05, 2022 16:00 - 48 minutes - 44.2 MBWith the increasing rate at which new data tools and platforms are being created, the modern data stack risks becoming just another buzzword data leaders use when talking about how they solve problems. Alongside the arrival of new data tools is the need for leaders to see beyond just the modern data stack and think deeply about how their data work can align with business outcomes, otherwise, they risk falling behind trying to create value from innovative, but irrelevant technology. In this...
#115 Inside the Generative AI Revolution
November 28, 2022 16:00 - 32 minutes - 29.9 MB2022 was an incredible year for Generative AI. From text generation models like GPT-3 to the rising popularity of AI image generation tools, generative AI has rapidly evolved over the last few years in both its popularity and its use cases. Martin Musiol joins the show this week to explore the business use cases of generative AI, and how it will continue to impact the way the society interacts with data. Martin is a Data Science Manager at IBM, as well as Co-Founder and an instructor at Gen...
#114 How Chelsea FC Uses Analytics to Drive Matchday Success
November 21, 2022 16:00 - 46 minutes - 42.9 MBData Analytics has played a major role in Chelsea’s journey to becoming the seventh most valuable football club in the world, Chelsea has won six league titles, eight FA Cups, five League Cups, and two Champions League titles. Today, we are going behind the scenes at Chelsea FC to see how they use data analytics to analyze matches, inform tactical decision-making, and drive matchday success in one of the world’s top football leagues, just in time for the 2022 FIFA World Cup in Qatar! Feder...
#113 Successful Frameworks for Scaling Data Maturity
November 14, 2022 16:00 - 44 minutes - 40.5 MBTo become a data-driven organization, it takes a major shift in mindset and culture, investments in technology and infrastructure, skills transformation, and clearly evangelizing the usefulness of using data to drive better decision-making. With all of these levers to scale, many organizations get stuck early in their data transformation journey, not knowing what to prioritize and how. In this episode, Ganes Kesari joins the show to share the frameworks and processes that organizations can ...
#112 Data Journalism in the Age of COVID-19
November 07, 2022 16:00 - 35 minutes - 32.5 MBDuring Data Literacy Month, we shared how data journalists curate and distill data stories to the wider public. Since 2020, Data Journalism has risen both in significance and visibility. Throughout the COVID-19 pandemic, data journalists have been instrumental in keeping the public informed by investigating, challenging, interpreting, and explaining complex datasets. In this episode, Betsy Ladyzhets joins the show to talk about the state of Data Journalism today, and shares from her experie...
#111 The Rise of the Julia Programming Language
October 31, 2022 19:00 - 42 minutes - 39.2 MBPython has dominated data science programming for the last few years, but there’s another rising star programming language seeing increased adoption and popularity—Julia. As the fourth most popular programming language, many data teams and practitioners are turning their attention toward understanding Julia and seeing how it could benefit individual careers, business operations, and drive increased value across organizations. Zacharias Voulgaris, PhD joins the show to talk about his experi...
#110 Behind the Scenes of Transamerica’s Data Transformation
October 24, 2022 15:00 - 45 minutes - 41.4 MBWhile securing the support of senior executives is a major hurdle of implementing a data transformation program, it’s often one of the earliest and easiest hurdles to overcome in comparison to the overall program itself. Leading a data transformation program requires thorough planning, organization-wide collaboration, careful execution, robust testing, and so much more. Vanessa Gonzalez is the Senior Director of Data and Analytics for ML & AI at Transamerica. Vanessa has experience in data ...
#109 How Data Leaders Can Build an Effective Talent Strategy
October 17, 2022 15:00 - 47 minutes - 43.7 MBAs data leaders continue to fill their talent gap, how should they approach sourcing, retaining, and upskilling their talent? What strategies should data leaders adopt in order to accomplish their talent goals and become data-driven? Kyle Winterbottom joins the show to talk about the key differentiators between data teams that build talent-dense teams and those that do not. Kyle is the host of Driven by Data: The Podcast, the Founder & CEO of Orbition, a talent solutions provider, for scali...
#108 The Hallmarks of Successful Data Training Programs
October 10, 2022 15:00 - 47 minutes - 43.8 MBTo improve Data Literacy, organizations need high-quality data training programs that give their employees the most valuable and relevant data skills they need. Many companies fall into the trap of implementing training programs that are poorly designed or not relevant for the needs of their learners. Sharon Castillo is the VP of Global Education at DataRobot, where she developed the DataRobot University, a self-service education portal that features both free and paid courses on AI and mac...
#107 The Deep Learning Revolution in Space Science
October 03, 2022 12:00 - 53 minutes - 48.8 MBWe have had many guests on the show to discuss how different industries leverage data science to transform the way they do business, but arguably one of the most important applications of data science is in space research and technology. Justin Fletcher joins the show to talk about how the US Space Force is using deep learning with telescope data to monitor satellites, potentially lethal space debris, and identify and prevent catastrophic collisions. Justin is responsible for artificial int...
#106 How CBRE is Increasing Data Literacy for Over 3,000 Employees
September 26, 2022 15:00 - 48 minutes - 44.1 MBThroughout data literacy month, we’ve shined a light on the importance of data literacy skills and how it impacts individuals and organizations. Equally as important is how to actually approach transformational data literacy programs and ensure they are successful. In this final episode of Data Literacy Month, we are unpacking how CBRE is upskilling over 3,000 of its employees on data literacy skills through a relevant, high-value learning program. Emily Hayward is the Data and Digital Cha...
#105 What Data Visualization Means for Data Literacy
September 19, 2022 15:00 - 41 minutes - 38.4 MBUnderstanding and interpreting data visualizations are one of the most important aspects of data literacy. When done well, data visualization ensures that stakeholders can quickly take away critical insights from data. Moreover, data visualization is often the best place to start when increasing organizational data literacy, as it’s often titled the “gateway drug” to more advanced data skills. Andy Cotgreave, Senior Data Evangelist at Tableau Software and co-author of The Big Book of Dashbo...
#104 How the Data Community Can Accelerate Your Data Career
September 12, 2022 15:00 - 34 minutes - 31.8 MBData Literacy may be an important skill for everyone to have, but the level of need is always unique to each individual. Some may need advanced technical skills in machine learning algorithms, while others may just need to be able to understand the basics. Regardless of where anyone sits on the skills spectrum, the data community can help accelerate their careers. There’s no one who knows that better than Kate Strachnyi. Kate is the Founder and Community Manager at DATAcated, a company that...
#103 How Data Literacy Skills Help You Succeed
September 05, 2022 15:00 - 52 minutes - 48 MBData Literacy is increasingly becoming a skill that every role needs to have, regardless of whether their role a data-oriented or not. No one knows this better than Jordan Morrow, who is known as the Godfather of Data Literacy. Jordan is the VP and Head of Data Analytics at Brainstorm, Inc., and is the author of Be Data Literate: The Skills Everyone Needs to Succeed.Jordan has been a fierce advocate for data literacy throughout his career, including helping the United Nations understand and...
Announcing Data Literacy Month
September 02, 2022 14:53 - 1 minute - 1.7 MBTaking inspiration from International Literacy Day on September 8, DataCamp is dedicating the whole month of September to raising awareness about Data Literacy. Throughout the month, we are featuring thought leaders and subject matter experts in order to get you Data Literacy, and we can’t wait for you to hear the exceptional guests we have lined up for you right here on DataFramed. Check out the full lineup of events.
#102 How an Always-Learning Culture Drives Innovation at Shopify
August 29, 2022 15:00 - 41 minutes - 37.6 MBMany times, data scientists can fall into the trap of resume-driven development. As in, learning the shiniest, most advanced technique available to them in an attempt to solve a business problem. However, this is not what a learning mindset should look like for data teams. As it turns out, taking a step back and focusing on the fundamentals and step-by-step iteration can be the key to growing as a data scientist, because when data teams develop a strong understanding of the problems and sol...
#101 How Real-Time Data Accelerates Business Outcomes
August 22, 2022 15:00 - 44 minutes - 41 MBMost companies experience the same pain point when working with data: it takes too long to get the right data to the right people. This creates a huge opportunity for data scientists to find innovative solutions to accelerate that process. One very effective method is to implement real-time data solutions that can increase business revenue and make it easier for anyone relying on the data to access the data they need, understand it, and make accurate decisions with it. George Trujillo join...
#100 Embedded Machine Learning on Edge Devices
August 15, 2022 15:00 - 51 minutes - 47.2 MBMachine learning models are often thought to be mainly utilized by large tech companies that run large and powerful models to accomplish a wide array of tasks. However, machine learning models are finding an increasing presence in edge devices such as smart watches. ML engineers are learning how to compress models and fit them into smaller and smaller devices while retaining accuracy, effectiveness, and efficiency. The goal is to empower domain experts in any industry around the world to ef...
#99 Post-Deployment Data Science
August 08, 2022 15:00 - 33 minutes - 31 MBMany machine learning practitioners dedicate most of their attention to creating and deploying models that solve business problems. However, what happens post-deployment? And how should data teams go about monitoring models in production? Hakim Elakhrass is the Co-Founder and CEO of NannyML, an open-source python library that allows users to estimate post-deployment model performance, detect data drift, and link data drift alerts back to model performance changes. Originally, Hakim started ...
#98 Interpretable Machine Learning
August 01, 2022 15:00 - 50 minutes - 46.6 MBOne of the biggest challenges facing the adoption of machine learning and AI in Data Science is understanding, interpreting, and explaining models and their outcomes to produce higher certainty, accountability, and fairness. Serg Masis is a Climate & Agronomic Data Scientist at Syngenta and the author of the book, Interpretable Machine Learning with Python. For the last two decades, Serg has been at the confluence of the internet, application development, and analytics. Serg is a true polym...
#97 How Salesforce Created a High-Impact Data Science Organization
July 25, 2022 15:00 - 44 minutes - 40.3 MBAnjali Samani, Director of Data Science & Data Intelligence at Salesforce, joins the show to discuss what it takes to become a mature data organization and how to build an impactful, diverse data team. As a data leader with over 15 years of experience, Anjali is an expert at assessing and deriving maximum value out of data, implementing long-term and short-term strategies that directly enable positive business outcomes, and how you can do the same. You will learn the hallmarks of a mature d...
#96 GPT-3 and our AI-Powered Future
July 18, 2022 19:00 - 1 hour - 58.4 MBIn 2020, OpenAI launched GPT-3, a large language AI model that is demonstrating the potential to radically change how we interact with software, and open up a completely new paradigm for cognitive software applications. Today’s episode features Sandra Kublik and Shubham Saboo, authors of GPT-3: Building Innovative NLP Products Using Large Language Models. We discuss what makes GPT-3 unique, transformative use-cases it has ushered in, the technology powering GPT-3, its risks and limitations,...
GPT-3 and our AI-Powered Future
July 18, 2022 14:00 - 1 hour - 58.4 MBIn 2020, OpenAI launched GPT-3, a large language AI model that is demonstrating the potential to radically change how we interact with software, and open up a completely new paradigm for cognitive software applications. Today’s episode features Sandra Kublik and Shubham Saboo, authors of GPT-3: Building Innovative NLP Products Using Large Language Models. We discuss what makes GPT-3 unique, transformative use-cases it has ushered in, the technology powering GPT-3, its risks and limitations,...
#95 How to Build a Data Science Team from Scratch
July 11, 2022 15:00 - 39 minutes - 35.9 MBWhile leading a mature data science function is a challenge in its own right, building one from scratch at an organization can be just as, if not even more, difficult. As a data leader, you need to balance short-term goals with a long-term vision, translate technical expertise into business value, and develop strong communication skills and an internalized understanding of a business's values and goals in order to earn trust with key stakeholders and build the right team. Elettra Damaggio i...
#94 How Data Science Enables Better Decisions at Merck
July 04, 2022 14:00 - 39 minutes - 36.3 MBIn pharmaceuticals, wrong decisions can not only cost a company revenue, but they can also cost people their lives. With stakes so high, it’s vital that pharmaceutical companies have robust systems and processes in place to accurately gather, analyze, and interpret data and turn it into actionable steps to solving health issues. Suman Giri is the Global Head of Data Science of the Human Health Division at Merck, a biopharmaceutical research company that works to develop innovative health so...
#93 How Data Science Drives Value for Finance Teams
June 27, 2022 14:00 - 36 minutes - 33.8 MBBuilding data science functions has become tables takes for many organizations today. However, before data science functions were needed, the finance function acted as the insights layer for many organizations over the past. This means that working in finance has become an effective entry point into data science function for professionals across all spectrums. Brian Richardi is the Head of Finance Data Science and Analytics at Stryker, a medical equipment manufacturing company based in Mich...
#92 Democratizing Data in Large Enterprises
June 20, 2022 14:30 - 43 minutes - 39.4 MBDemocratizing data, and developing data culture in large enterprise organizations is an incredibly complex process that can seem overwhelming if you don’t know where to start. And today’s guest draws a clear path towards becoming data-driven. Meenal Iyer, Sr. Director for Data Science and Experimentation at Tailored Brands, Inc., has over 20 years of experience as a Data and Analytics strategist. She has built several data and analytics platforms and drives the enterprises she works with to...
#91 Building a Holistic Data Science Function at New York Life Insurance
June 13, 2022 13:00 - 37 minutes - 34.7 MBWhen many people talk about leading effective Data Science teams in large organizations, it’s easy for them to forget how much effort, intentionality, vision, and leadership are involved in the process. Glenn Hofmann, Chief Analytics Officer at New York Life Insurance, is no stranger to that work. With over 20 years of global leadership experience in data, analytics, and AI that spans the US, Germany, and South Africa, Glenn knows firsthand what it takes to build an effective data science f...
#90 How Data Science is Transforming the Healthcare Industry
June 06, 2022 14:00 - 35 minutes - 32.6 MBThe healthcare industry presents a set of unique challenges for data science, including how to manage and work with sensitive patient information and accounting for the real-world impact of AI and machine learning on patient care and experience. Curren Katz, Senior Director for Data Science & Project Management at Johnson & Johnson, believes that despite challenges like these, there are massive opportunities for data science and machine learning to increase care quality, drive business obje...
[DataFramed Careers Series #4]: Acing the Data Science Interview
June 02, 2022 15:00 - 38 minutes - 35.6 MBToday marks the last episode of our four-part DataFramed Careers Series on breaking into a data career. We’ve heard from Sadie St Lawrence, Nick Singh, and Khuyen Tran on best practices to adopt to help you land a data science interview. But what about the interview itself? Today’s guest, Jay Feng, joins the show to break down all the most important things you need to know about interviewing for data science roles. Jay is the co-founder of Interview Query, which helps data scientists, machin...
[DataFramed Careers Series #3]: Accelerating Data Careers with Writing
June 01, 2022 12:30 - 30 minutes - 28.1 MBToday is the third episode of this four-part DataFramed Careers series being published every day this week on building a career in data. We’ve heard from Nick Singh on the importance of portfolio projects, as well as the distinction between content-based and coding-based portfolio projects. When looking to get started with content-based projects, how do you move forward with getting yourself out there and sharing the work despite being a relative beginner in the field?Today’s guest tackles e...
[DataFramed Careers Series #2] What Makes a Great Data Science Portfolio
May 31, 2022 13:30 - 51 minutes - 47.1 MBToday marks the second episode in our DataFramed Careers Series. In this series, we will interview a diverse range of thought leaders and experts on the different aspects of landing a data role in 2022. In the first episode of the series, Sadie discussed at great length the importance of having a solid data science portfolio to land a role in data. But what makes a great data science portfolio? Nick Singh, co-author of Acing the Data Science Interview, joins the show to share everything yo...
[DataFramed Careers Series #1] Launching a Data Career in 2022
May 30, 2022 08:30 - 39 minutes - 36.4 MBToday is the start of a four-day careers series covering breaking into data science in 2022. With so so much demand for data jobs today, we wanted to demystify the ins and outs of accelerating a career in data. In this series, we will interview a diverse range of thought leaders and experts on the different aspects of standing out from the crowd in the job hunt. Our first guest in the DataFramed Careers Series is Sadie St. Lawrence. Sadie St Lawrence is the Founder and CEO of Women in Data,...
DataFramed Careers Series Special Announcement!
May 27, 2022 17:27 - 2 minutes - 1.93 MBIntroducing the DataFramed Careers Series. Over the past year hosting the DataFramed podcast, we've had the incredible privilege of having biweekly conversations with data leaders at the forefront of the data revolution. This has led to fascinating conversations on the future of the modern data stack, the future of data skills, and how to build organizational data literacy. However, as the DataFramed podcast grows, we want to be able to provide the data science community across the spectru...
#85 Building Data Literacy at Starbucks
May 16, 2022 14:00 - 35 minutes - 32.1 MBData literacy at any organization takes buy-in from all levels of the company, from C-suite leaders all the way to customer-facing team members. But how do you get that buy-in, build a team around data literacy, and transform the way your company works with data? Today’s guest, Megan Brown, Director of Data Literacy and Knowledge Management at Starbucks, discusses what they have done to forge data culture and data literacy at Starbucks. Throughout the episode, we discuss How to increase d...
#84 Building High-Impact Data Teams at Capital One
May 02, 2022 09:30 - 35 minutes - 32.3 MBDiversity in both skillset and experience are at the core of high-impact data teams, but how can you take your data team’s impact to the next level with subject matter expertise, attention to user experience, and mentorship? Today’s guest, Dan Kellet, Chief Data Officer at Capital One UK, joins us to discuss how he scaled Capital One’s data team. Throughout the episode, we discuss: The hallmarks of a high-impact data team The importance of skills and background diversity when building gre...
#83 Empowering the Modern Data Analyst
April 17, 2022 10:00 - 36 minutes - 33.3 MBAs data volumes grow and become ever-more complex, the role of the data analyst has never been more important. At the disposal of the modern data analyst, are tools that reduce time to insight, and increase collaboration. However, as the tools of a data analyst evolve, so do the skills. Today’s guest, Peter Fishman, Co-Founder at Mozart Data, speaks to this exact notion. Join us as we discuss: Defining a data-driven organization & main challenges Breaking down the modern data stack & w...
#82 Successful Digital Transformation Puts People First
April 03, 2022 10:00 - 44 minutes - 41 MBWhen you hear the term-digital first, you might think about tech, platforms and data. But digital transformation succeeds when you put people first. Gathering and analyzing data, then using it to provide the customer value and an unparalleled experience, is vital for an organization’s success. Today’s guest, Bhavin Patel, Director o f Analytics and Innovation at J&J joins the show to share why people are the most important component to digital transformation. Join us as we discuss: Why ...
#81 The Gradual Process of Building a Data Strategy
March 21, 2022 18:15 - 48 minutes - 44.5 MBThe data journey is a slow painstaking process. But knowing where to start and the areas to focus on can help any organization reach its goals faster. Today’s guest, Vijay Yadav, Director of Quantitative Sciences & Head of Data Science at the Center for Mathematical Sciences at Merck, explains the 6 key elements of data strategy, complete with advice on how to navigate each. Join us as we discuss: The different components of a data strategy Shifting mindset within the C-Suite Structurin...
#80 The Rise of Hybrid Jobs & the Future of Data Skills
March 07, 2022 11:00 - 42 minutes - 39.1 MBIt’s no secret that data science jobs are on the rise; but data skills across the board are rising — leading to what today’s guest calls “hybrid jobs.” This will require a paradigm shift in how we think about jobs and skills. Today’s guest, Matt Sigelman, President of The Burning Glass Institute & Chairman of Emsi Burning Glass, talks about the difficulties of connecting companies with top talent, the hybridization of many positions, and how to position yourself in the ever-changing mark...
#79 Delivering Smarter Cities & Better Public Policy w/ Data
February 21, 2022 11:15 - 48 minutes - 44.3 MBThroughout the middle east, efforts are underway to build smart cities from the ground up. But to create a modern, intelligently-designed city, you first need to lay a solid foundation. And the strongest foundation you can build a smart city upon is data. In today’s episode, we speak with Kaveh Vessali, Digital, Data & AI Leader, PwC Middle East, about the intersection between data and public policy and the many exciting insights he’s gained from his role delivering smart cities and data ...
#78 How Data & Culture Unlock Digital Transformation
February 07, 2022 07:00 - 35 minutes - 33 MBWhen most people hear digital transformation, it’s almost always the technology that first springs to mind. That’s a mistake. You can have the most sophisticated tech stack in the world, but if you don't build your organization’s data culture, your digital transformation efforts will be for naught. Today’s guest, Mai AlOwaish, Chief Data Officer at Gulf Bank, knows this better than anyone. As the first female CDO in Kuwait, she’s on a mission to ensure everyone at Gulf Bank becomes an exp...