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Bogdan Zaharia is a seasoned professional in credit risk modeling with extensive experience in the banking sector, currently serving as a Senior Credit Risk Modeller at ING since November 2018. Prior to this role, Zaharia held various senior positions at UniCredit Bank Romania, including Head of Credit Risk Modelling, where responsibilities included the estimation and validation of internal risk parameters and alignment with regulatory frameworks. Zaharia’s career also encompasses significant roles such as Senior Credit Risk Manager and Credit Risk Manager, focusing on Basel II compliance and risk-based pricing. Early career experience includes positions at Banca Comerciala Romana as a Credit Analyst and Consultant. Zaharia holds a Bachelor’s Degree in Accounting from Academia de Studii Economice din București.