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Elzbieta Bhagat is an accomplished banking executive with extensive experience in corporate and SME client management. Currently serving as the Managing Director of the Corporate & SME Client Division at JSC KREDOBANK since August 2020, Elzbieta has previously held significant leadership roles, including Managing Director of Sales at Bank Gospodarstwa Krajowego from June 2015 to March 2020, and Director at PKO Bank Polski for a brief period in early 2015. Additional experience includes serving as Vice President of the Management Board at Polski Bank Przedsiębiorczości S.A. and as a Board Member at Rabobank, as well as an Executive Director position at ABN AMRO Bank (Polska) S.A. Elzbieta holds a degree from SGH Warsaw School of Economics, completed between 1991 and 1996.