Krzysztof Blach

Krzysztof Blach has extensive experience in risk management and credit policy development. Krzysztof started their career in 2003 at GE Money Bank as a Scorecard Specialist, where they managed scorecards, MIS, provisions, and retail lending products. Krzysztof then moved on to GE Consumer Finance Australia and New Zealand, where they worked as a Senior Analyst, focusing on risk and CRM infrastructure. In 2006, they returned to GE Money Bank as a Risk Modelling Manager, overseeing a team of analysts and managing risk management projects. Krzysztof later became the Strategy Portfolio Risk Manager, responsible for establishing credit policy and conducting risk assessment and mitigation.

In 2010, Krzysztof joined Bank BPH, GE Capital Group as an Unsecured Portfolio Risk Manager, leading a team in credit policy development and performance evaluation of various products. Krzysztof was promoted to the position of Consumer Risk Management Department Director, where they oversaw a billion-euro non-mortgage retail portfolio and introduced improvements to credit policy to support revenue growth and risk reduction. Krzysztof also served as the Senior Manager - Risk Business Liaison, working closely with sales and marketing teams to identify challenges and implement new projects.

In 2011, Krzysztof joined KBC Consumer Finance as the Head of Risk Governance Implementation, serving as a key liaison to local risk and business teams in Belgium and Slovakia. Krzysztof provided support for growth and risk infrastructure development, introduced debt-to-income ratios, developed debt consolidation products, and coached analysts.

Finally, in 2015, Krzysztof joined TF Bank AB (publ) as the Head of Risk and Product, and later became the Head of Group Credit Risk. However, specific details about their roles and responsibilities in these positions are not provided.

Overall, Krzysztof Blach has demonstrated expertise in risk management, credit policy development, and portfolio management throughout their career.

Krzysztof Blach started their education journey in the year 1999 when they enrolled at Poznan University of Economics And Business. Krzysztof pursued a Bachelor's degree in Operations Research and successfully completed it in 2004, earning the title of Master of Arts (MA). In 2003, they briefly attended the University of Lille 1 Sciences and Technology, where they took Master's and bachelor's courses specializing in Econometrics and Quantitative Economics.

In 2007, Krzysztof furthered their education by enrolling at The Warsaw Institute of Banking. Krzysztof completed a postgraduate program in Risk Management in 2008, enhancing their knowledge and expertise in this field.

Most recently, from 2019 to 2021, Krzysztof attended Warsaw University of Technology Business School. Krzysztof undertook an Executive MBA program, focusing on the study of business administration, and successfully obtained a Master's degree in Business Administration.

Overall, Krzysztof Blach's educational background reflects their dedication to continuously improving their skills and knowledge in various areas, such as operations research, risk management, and business administration.