János Hoós has a Master degree in Finance from the Corvinus University of Budapest in Hungary. He started his career by ABM Ambro Bank afterward he joined to the KBC Group (KH Bank). During the 15 years he spent in the banking industry he was responsible for statutory and management reporting and the development of non-retail PD, EAD and LGD models. He was also involved in various projects to reduce capital wastage, implement rating system, loan origination process and credit risk data-mart. Among others János was the project manager of the Basel 2 implementation and successfully gathered the Advanced IRB license from the Hungarian Regulator. Presently he is the Chief Consulting Officer of ApPello, a leading technology company focusing on risk management solutions for Banks. In his role János is in charge of maintaining and building up business relationships and product development strategy.