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Silvian Lică is currently serving as the Executive Risk Director and Chief Risk Officer at BNP Paribas Personal Finance. Prior to this, Silvian held key positions at BCR, including Head of Credit Risk Policy Department and Risk Management Specialist. With a background in Retail Specialist role at Marfin Bank Romania and Retail Loans Analyst role at BCR, Silvian has demonstrated expertise in implementing projects in the lending area and improving NPL stock through Credit Risk policy measures. Silvian's accomplishments include increasing automation rates in Retail lending, adapting risk rules in uncertain macro environments, and successful implementation of reporting projects for Risk. Throughout his career, Silvian has been instrumental in driving market share growth, simplifying lending processes, and contributing to the development of online automatic lending. Silvian's strong analytical skills and decision-making capabilities have contributed to low default rates on approved loans and positive impacts on the bank's P&L.