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Lubomir Bruha is currently working as the Credit Risk Director at Provident Financial s.r.o. Lubomir previously held the position of Regional Risk Management Advisor at SAS and the Chief Risk Officer at BNP Paribas Personal Finance. With a background in software development and extensive experience in risk management roles at various financial institutions in the Czech Republic, Slovakia, and Hungary, Lubomir has a strong track record of overseeing risk policy, controls, credit risk management, and collection procedures. Lubomir's educational background includes an Executive MBA in Finance from the University of Pittsburgh Katz Graduate School of Business.