- Monitoring- Provision calculation (HAS, IFRS)- Rating methodology, risk parameter calculation- Rating systems (implementation, maintenance and technical testing)- Risk data collection, data quality control- Risk reporting (Management reports and monitoring)- Portfolio analysis

- Rating methodology (scorecard develpoment, validation, backtesting)- Rating systems (implementation, maintenance and technical testing)- Risk data collection (risk data mart within DWH and ETL processes for transformation and aggregation of data for specific purposes like reporting or scorecard validation)- Risk reporting (Management reports and monitoring)- Portfolio analysis

- Development and implementation of retail and corporate scorecards (application and behavior scoring)- Programming, implementation and running of rating and decisionmaking tools- Collection of risk related data from rating and core systems- Implementation of risk data marts on SAS and SQL servers - Estimation of risk parameters (PD, LGD, CCF)- Yearly Basel II IRB validation- Statistical analysis and reports- Participation in local and international projects projects (IFRS provision calculation, Basel III, Subsidiary integration, Default recognition and loss data collection, Central RWA calculation, etc)- Basel II RWA calculation (since 2010)- Impairment and Loan Loss Provision calculation (since 2010)- Data delivery to central Group Data Pool (Erste Holding - since 2010)- Coordination of a 6-7 people team

- Development of application and behaviour scorecards for private individuals and micros,- Collection of rating related data from rating systems,- Programming, implementation and running of rating and decisionmaking tools- Statistical analysis and reports- Participation in local and international projects (Basel II IRB application)