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Michiel van Beem has extensive experience in credit risk management at Rabobank, where career progression includes roles such as Credit Risk Manager for Financial Institutions, Senior Credit Risk Manager for Non-Bank Financial Institutions (NBFI), and Financial Analyst, beginning in January 2002. Prior to this, Michiel served as a Kredietbeoordelaar at Rabobank Woudenberg en Omstreken from February 1999 to December 2001. Educational qualifications include a PreMaster in Managementwetenschappen from Open Universiteit and a Bachelor's degree in Financial Accounting from HAN University of Applied Sciences.