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Paweł Przybytniak is currently the Chief Risk and Data Officer at Smartney, Grupa Oney Bank, where he is responsible for credit risk policy. Prior to this role, he held various risk management positions at Plus Bank S.A., Bank Ochrony Środowiska S.A., Nest Bank S.A., and PKO BP. Paweł also has experience as a lecturer at Warszawski Instytut Bankowości and as the Head of Team at BISE Bank, focusing on market risk monitoring. He holds a Master's degree in Finance & Banking from SGH Warsaw School of Economics.