Tamas Erni is Managing Partner in Loxon Solutions Ltd. He has graduated from finance on the Budapest University of Economic Sciences. He started his career by Raiffeisen Bank Hungary in 1999. He has worked for Ecostat Institute for Mathematical Modelling and Macroeconomic Analysis and was part of the team building the Ecostat macroeconomical forecasting model for the Hungarian economy. He has moved to Loxon in 2001 and became responsible to build up the business consulting team of Loxon and managing several projects in transforming bank’s lending operations and risk management procedures (collateral management, rating/scoring, collection and lending systems as well as Basel II preparation projects throughout the EMEA region). Based on this experience he was nominated to the position of partner in 2005. In this position he was responsible for product development strategy and leading the sales and business development team of Loxon. Since 2012 he is managing partner of Loxon, responsible for the entire company, and particularly the international sales activities. Since than he spends his time between Budapest and Dubai.