Jozef Zubrický started his career as a scoring model analyst. He then later took over the responsibility for scoring and rating team in Česká Spořitelna. Once Erste Group established so called Competence Centers for Credit Risk Models for the whole Erste Group Jozef’s became head of one of these Centers for Retail. His responsibility despite rating and scoring models includes risk parameters methodology for Basel III and IFRS 9. He has background in Economics and Business Administration.