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Bartosz Tomicki is an accomplished finance professional with extensive experience in credit risk management and collections. Currently serving as Chief Risk Officer at HeyBlu since May 2023, Bartosz previously held the role of EMEA Credit Risk and Collections Manager at PayU from November 2021 to April 2023. Bartosz has also worked as Head of Retail Credit Risk Department at Alior Bank SA, where responsibilities included optimizing credit policies and managing various retail financial products. Prior experience includes Retail Credit Risk Director at Meritum Bank ICB S.A. and various roles at GE Money Bank, including Retention Portfolio Manager and Risk Analyst. Bartosz holds a postgraduate diploma in Financial Market Law of the European Union from the University of Gdansk and an MSc in Business Administration from the same institution, along with a degree from Gdańsk University of Technology.