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Monika Zarzycka is an experienced financial professional currently serving as a Senior Credit Risk Analyst at TF Bank AB (publ) since April 2019. In addition, Monika has held the role of Credit Risk Modelling Expert at Bank BPH since February 2014, where responsibilities include building and developing credit risk models using SQL and PL/SQL, and providing data analysis for portfolio assessment. Previous positions include Operational Credit Risk Modelling Analyst at Bank BPH, Financial Analyst at Grupy DUON, and Credit Accounting Assistant at Meritum Bank ICB SA. Monika holds a Master of Science in Finance and Banking from Gdańsk University of Technology and another Master of Science in Financial Mathematics from the same institution.