Roman Byczkowski

Roman Byczkowski is a seasoned credit risk professional with over 20 years of experience in corporate and SME lending across leading financial institutions in Poland, including ING, mBank, BNP Paribas, and Santander. Roman specializes in creditworthiness assessment, structuring complex transactions, and early warning signal evaluation, and currently serves as a Senior Credit Risk Officer at ING. Roman is also expanding expertise in AI-driven credit risk analysis, focusing on predictive modeling and data automation. Roman holds a Master's degree in Organization & Management and postgraduate studies in Accounting & Finance.