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Valentin David is a seasoned professional in credit risk management with extensive experience in the banking sector. Currently serving as the Retail Risk Credit Policy Department Manager at Raiffeisen Bank Romania since July 2006, Valentin specializes in credit risk policies and portfolio optimization for the retail segment. Previous roles at Raiffeisen Bank include PI Risk Architecture Department Manager and PI Product Policy Manager, focusing on developing risk strategies and improving underwriting processes. Before joining Raiffeisen Bank, Valentin held positions at Citi as Regional Sales Manager and Unit Head, as well as Unit Manager at Aviva and Financial Consultant at ING. Valentin holds a degree in Economic Informatics and Cybernetics from Academia de Studii Economice din București and a Master's degree in Financial Banking Management from Universitatea Româno-Americană din București.