Tobias Engel
Senior Analyst
Berlin, Germany
Tobias brings quantitative rigour to every TopPulse assessment. He spent eight years in Deutsche Bank research modelling credit risk, then joined Zopa analytics, where he built internal yield-tracking frameworks for the lending book and learned where headline return figures quietly diverge from what an investor actually keeps. At TopPulse he designs the position methodology, maintains the statistical models behind platform comparisons, and stress-tests the numbers a platform reports against what its published statistics can support. He is the person who asks whether an advertised target rate survives contact with defaults, currency drag and cash drag, and who flags when a track record is too short to mean anything yet. His analysis feeds directly into where a platform sits each month and into the notes that explain why it moved. Tobias studied Mathematics and Economics at Humboldt University of Berlin and is a CFA charterholder.
Previously: Deutsche Bank, Zopa
