Tom Bals

Tom Bals is an experienced credit risk management professional currently serving as the Senior Credit Scoring Manager in the Credit Risk Management Department at KBC, a prominent Belgian and Central European banking and insurance group since February 2007. Prior to this role, Tom worked as an Expert Local Operational Risk Manager at Skillteam from September 2000 to January 2007, where responsibilities included software development and both technical and functional analysis of e-business applications. Tom holds a degree from the University of Antwerp and has pursued further education at Université de Poitiers and IAE FRANCE - Écoles Universitaires de Management.