Based in Vienna/Austria, Chief Data Scientist at Lokyata, formerly senior consultant at a US bank: 17 years of leading Credit Scoring and Digital Financial Services developments/implementations + providing credit-scoring strategy support.Some of the most recent work: Lead developer of scoring algorithm currently running in Eastern Africa that have served to-date over 100,000 unique customers with over 1,000,000 loans disbursed.Assisted 51 financial institutions, mobile network operators, investment funds and investors in 32 countries world-wide in strengthening credit, DFS, investment and risk management processes in emerging economies. Scoring and analytical services incl.:Lending support (Consumer, Micro and SME) - Investment, working capital, mortgages, credit cards, lines of credit, Nano loans, Agriculture-specific, point-of-sale, group lending, credit bureaus and credit bureau output integration, lending process automation, Digital Financial Services, Mobile Banking and Mobile Wallets, Grantable amounts and Risk-based pricing;Scoring for Mobile Network Operators - Pre-paid to Post-paid pre-screening, P2P loans, Nano loans, Emergency Credit, Big data analytics;Portfolio/market research: portfolio/market segmentation, data analytics support and advanced statistical data mining for market research, cross-selling, customer profiling and product pricing, Strategic Insight and analytics for Financial Modelling.Worked on providing credit scoring solutions for lending programs with EBRD, IFC, USAID, European Microfinance Network, Micro Finance Center, Bill/Melinda Gates Foundation.Team management, methodological adaptation for development of statistical and/or expert based scorecards, risk-rating systems, Machine Learning & Artificial Intelligence for credit scoring & data analytics.Fluent in Czech/Slovak & English, understand Russian, German, Italian. Proficient in several programming languages.