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Alicja Niedzwiecka - Pietruczuk, PhD, currently serves as the Head of Credit Risk for Strategic Clients at Bank Pekao S.A. Alicja's extensive experience includes roles such as Credit Risk Manager at Accenture, Credit Risk Manager for Strategic Clients at PKO Bank Polski, and various positions at Nordea Bank Polska and Fortis Bank Polska SA. With a PhD in Banking from SGH Warsaw School of Economics, Alicja has specialized in credit risk analysis for sectors such as energy, chemistry, logistics, transport, and leasing companies.