Monika Kucal

Monika Kucal is a Credit Risk Expert at ING Hubs Poland, with extensive experience in credit risk analysis and strategy development across various financial institutions. Prior experience includes serving as a Senior Credit Risk Analyst at TF Bank AB (publ), where responsibilities involved creating credit risk strategies for consumer lending across multiple countries and controlling credit quality of portfolios. Monika has also held positions as a Credit Risk Analyst and Credit Risk Modelling Expert, focusing on modeling and forecasting probability of default and expected losses. Educational qualifications include a Master's degree in Information Technology and Econometrics, as well as postgraduate studies in Information Systems and Data Analysis, complemented by a Bachelor's degree in Informatics and Econometrics.