Experience: STATLOGICS, Budapest, HU Head of Risk Management Consultancy, 2015 – present Consultancy related to Statlogics IT solutions Modeling Risk management advisory OTP BANK, Kiev, UA Retail Risk Director, 2013 – 2015 Established a directorate of 100+ employees Built complete retail underwriting process from ground level Coordinated an introduction of a decision engine for all consumer products Developed restructuring policy for consumer and mortgage portfolio OTP BANK, Budapest, HU Head of Risk Analysis Department, 2008 – 2013 Established risk analysis department of 10+ employees Participation in the development of groupwide risk stragety, credit policy, modeling principles Participation in restructuring campaigns Coordination of development of several models: income estimation, application scorecards, cut-off models, collection scorecards K&H Leasing Group, Budapest, HU Head of Risk Analysis Department, 2008 – 2008 Management of a department of 3 employees Participation in Basel II preparation Risk Based Pricing Erste Leasing Group, Budapest, HU Strategic Analyst, 2004 – 2008 Development and implementation of fraud prevention logic Scorecard modeling Profitability analysis of Optimization of operations BUDAPEST BANK, Budapest, HU Risk Analyst, 2001 – 2004 Scorecard modeling Creating planning models Reporting loan loss provisions