Accomplished credit risk expert with over 10 years of progressive experience in the financial sector.

Possesses great skill in the areas of car financing and consumer loans.

Adept at working to efficiently achieve organizational goals in both group and independent environments.

Proven ability to thrive in high pressure environments.  

Looking for a suitable position with a financial company that wants to employ talented managers who get results.

Work History

Work History
May 2014 - Feb 2016

Appointed Chief Representative

OTP Bank Ltd. (EU)
  • Exploring the fast growing and promising Asian markets
  • Analyzing Chinese retail banking and consumer finance markets
  • Organizing meetings with CBRC
  • Welcoming business delegations from China 
Oct 2012 - May 2014

Risk Control Supervisor

Fortune Auto Finance Co., Ltd. (China)
  • Designing the business processes
  • MIS reporting
  • CBRC reporting
  • Forecasting and budgeting
  • PD, LGD modelling
  • Adopting to the local policies and regulations
  • Monitoring risk measures of segmented client groups and dealer partners
  • Managing the Risk database
  • Implementing fraud prevention
Apr 2007 - Oct 2012

Risk Manager

Santander Consumer Finance (EU)
  • Managing the Credit Risk Department (from 2009)
  • MIS reporting
  • Forecasting and budgeting
  • PD, LGD modelling
  • Creating LLR calculation models
  • Coordinating the development and introduction of application scoring system 
  • Supporting the collection campaigns
  • Evaluating the loan portfolios for sale
  • Communicating with Risk Headquarters of the company

Oct 2004 - Apr 2007

Risk Analyst

Santander Consumer Finance (EU)
  • MIS reporting
  • Preparing ad-hoc analysis for top management
  • Forecasting and budgeting
  • Participating the development and introduction of application scoring system
  • Communicating with Risk Headquarters (i.e. regular call conferences)

Sep 2003 - Oct 2004

Business Consultant

Formula/400 Information Technology Ltd (EU)
  • Working together with IT experts of Aegon Hungary on actual IT development projects
  • Documenting the project related business processes
  • Translating process charts and descriptions of project documents


Sep 1997 - Jun 2003

Master of Economics

Corvinus University of Budapest

Major in Actuary


Oct 2011 - Apr 2012

Professional Risk Manager (PRM)

Professional Risk Managers’ International Association (PRMIA)

unique code: qahmfPi


English: Fluent

Chinese: Upper intermediate (HSK Level 5)

Hungarian: Native