Dr Christian Engels
Lecturer in Banking and Finance
Biography
I am a Lecturer in Banking and Finance at the University of St Andrews Business School. Before academia, I worked as a statistician at the Scottish Government and a consultant at Aquila Insight.
I hold a PhD in Economics from Durham University, where I received the Best Thesis in the Faculty of Business award, an MSc in Economics with Distinction from the University of Edinburgh, and a BSc in Management, Philosophy and Economics from Frankfurt School of Finance & Management.
Personal website: christianengels.net
Teaching
I teach corporate finance (EC3318/MN3101) and behavioural finance (FI5614), as well as the master’s dissertation module in finance (FI5699), which covers econometrics with Python.
Teaching recognition:
- Department of Finance Teaching Award, 2025–26
- CPD Teaching Award, 2025–26, runner-up
- Herald Higher Education Awards 2026, finalist, Innovative Use of Technology
- University of St Andrews 1413 Teaching Excellence Award, shortlisted
Research areas
My research is in household finance and banking, with a focus on consumer credit, mortgage markets and cross-border payments. I use administrative, transaction and survey data, and my work has been published in the Journal of Banking & Finance and the European Journal of Finance.
My research sits within the Centre for Responsible Banking & Finance.
PhD supervision
- Yixin Kang
- Amelia Nelson
Selected publications
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Open access
When it rains it drains: psychological distress and household net worth
Balloch, A., Engels, C. & Philip, D., Oct 2022, In: Journal of Banking & Finance. 143, 16 p., 106620.Research output: Contribution to journal › Article › peer-review
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Open access
Financial literacy and fraud detection
Engels, C., Kumar, K. & Philip, D., 9 Feb 2020, In: European Journal of Finance. 26, 4-5, p. 420-442Research output: Contribution to journal › Article › peer-review