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Rafał Wrotyński is an expert in credit risk modelling with extensive experience in the financial services industry. Currently, at ING Hubs Poland since September 2019, Rafał has held roles ranging from Specialist to Expert for Credit Risk Modelling. Prior to this, Rafał worked at EY from March 2017 to September 2019 as a Senior Analyst in Financial Risk Management, where involvement included the implementation of IFRS 9 requirements and development of credit risk tools. Rafał's earlier experience includes positions at Nielsen as a Statistical Operations Trainee. Academically, Rafał holds a Master's degree in Advanced Analytics - Big Data from SGH Warsaw School of Economics, an Erasmus exchange in Business & Administration from Corvinus University of Budapest, and a Bachelor's degree in Quantitative Methods in Economics and Information Systems from SGH Warsaw School of Economics.