Learn about our scoring models.
We develop scoring models that assess credit risk and fraud risk built on datasets of Credit Information Bureau.
Our
goal is the business development of the BIK Group. Therefore, we are
thinking of expanding the products made available to our partners
with new categories of consumer and business information.
We
describe reality and depict facts based on numbers, data and the
ability to analyze them.
We
are intensively developing BI analyses on data collected in BIK Group
databases. These cover trends in the use of credit by individuals and
businesses.
They are used by our partners as a market
benchmark, most often in evaluating their own business in terms of
product sales levels, risks taken or effectiveness of CRM processes.
Every
month, we provide information on the levels and dynamics of loan
product sales, the and quality of loan portfolios and the number
of borrowers.
We invite you to read this information and our
experts' comments on the current situation in the credit market.
Business Intelligence Director
He has been involved in the financial sector for 25 years. Experienced in the area of financial services in the e-commerce industry. Expert in designing credit-decision making processes, implementing and monitoring credit policies, scoring and rating models.
Since 2014, he has managed the business intelligence area at BIK, developed the area of portfolio analysis and scoring models. He revolutionized the analytical team by creating a modern BI solution system. Open to new trends in BI and multi-sector data integration.
Director of Data Science
Enthusiast of artificial intelligence and its applications in the analysis of economic phenomena. Graduate of the Warsaw School of Economics (SGH), its long-time employee, he received a PhD in Economics - Operations Research. Among other things, in his academic career he has lectured and conducted research on the application of econometric, simulation and machine learning methods in the analysis of economic phenomena. Author of several dozens of international publications.
He has been at BIK since 2014, responsible for the development of credit risk models and analysis in the banking and non-banking sectors. He manages cross-sector projects that integrate data from multiple alternative sources.
BI Analysis Team Leader
Since 2000, he has been associated with the banking sector, where over the following years he gained experience in the broad field of analysis. During his career, he was responsible for macroeconomic, financial and portfolio analyses, and was involved in the restructuring of major corporate clients. When he is not working, he spends his free time at the gym, on the soccer field or at the chessboard.
He has been working at BIK since 2019 where he is responsible for the work of the Business Intelligence Analysis Team.
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