10/29/2026 updated
KO
100 % available
Senior Risk & Portfolio Strategy Analyst
Warsaw, Poland
Worldwide
MSc Finance and Accountancy (2021), University of Economics, WroclawEconomic AnalysisFinancial AnalysisFinancial RiskForecastingPortfolio ManagementProfitability AnalysisRisk AnalysisRisk Financing
I am a risk, finance and data analytics professional with experience across credit risk, portfolio strategy, market risk, financial modelling and quantitative analysis within financial services.
My current work focuses on portfolio performance and credit risk analytics, including PD and recovery rate modelling, portfolio profitability, delinquency analysis, risk appetite, scenario analysis and decision support. I develop machine learning models, including XGBoost, and use Python and SQL for modelling, data analysis, automation and analytical tool development.
My key areas of expertise include:
• Credit Risk & Portfolio Analytics – PD modelling, recovery analysis, vintage and cohort analysis, delinquency monitoring, portfolio performance, risk appetite and early warning indicators
• Risk Modelling & Machine Learning – XGBoost, predictive modelling, model performance monitoring, calibration, feature analysis and model validation support
• Portfolio Strategy – risk-return analysis, profitability assessment, scenario and sensitivity analysis, credit strategy and decision support
• Market Risk – VaR, stressed VaR, IRC, stress testing, limits, exposures and risk reporting
• Financial Analytics – forecasting, financial modelling, KPI analysis, profitability and management reporting
• Data Analytics – Python, SQL, Excel, data quality, data transformation and large-scale analytical workflows
• Automation – Python-based reporting automation, process automation, data pipelines, API integration and reduction of manual analytical processes
• Analytical Applications – development of internal tools and applications supporting portfolio monitoring, analysis and decision-making
• Risk Governance – controls, risk methodology implementation, issue remediation, audit support and cross-functional stakeholder coordination
I combine strong financial and risk domain knowledge with hands-on technical skills. My approach is focused on turning complex data into practical business decisions and building solutions that are transparent, repeatable and scalable.
I am available for B2B, freelance, fractional and project-based engagements in credit risk, portfolio analytics, risk modelling, financial analytics, data analysis and Python automation.
Experience
Professional experience5 - 10 years
Freelancer since2025
Languages
EnglishFluentPolishNative speaker
Project history
Developing portfolio strategy and economic analysis for lending portfolios, building and evaluating PD and ER/risk-rate models in Python including XGBoost, developing and enhancing Surplus Portal for portfolio analysis and planning, performing vintage/cohort, delinquency, recovery and profitability analysis, and automating analytical workflows using Python and SQL.
Automated IMA capital and backtesting reporting for regulatory and internal market-risk processes, delivered market-risk reporting covering VaR, SVaR, IRC and key risk-factor movements, monitored legal-entity risk limits and escalated breaches, and investigated data-quality issues with Risk IT/remediation teams.
Implemented risk-management methodology and supported credit-risk modelling, portfolio analysis and forecasting. Owned the NDoD implementation and maintenance workstream, built dashboards and automated data-processing and reporting workflows, and prepared management reporting and ad-hoc analysis across leasing and loan portfolios.