Krisztina helps banks transform their Risk Management to enhance the accuracy of their capital and impairment estimates, improve business outcomes and increase cost-efficiency. Krisztina has expertise across all aspects of credit risk and credit process change, including modelling, data, IT, governance, policies, controls, reports and organization design. She has experience leading both traditional waterfall-style and agile implementation programmes to success. Prior to her current role, Krisztina spent a decade with Deloitte in the UK, focusing Credit Risk and Regulation.