Welcome to CREDO, Your Partner in Common Sense

16th November 2018

Oudestraat 113

B-2630 Aartselaar

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About CREDO

Who we are

CREDO Consulting was founded in 2001 to provide consulting services and software to financial institutions.
In 2016, we set up CREDO Software, to host our software activities. Based on lengthy experience, we are confident that we can build and maintain software for complex risk/finance calculations better and at a lower price than our larger competitors. Have a look at our platform and convince yourself.
Owing to large demand, in 2017 we additionally established ‘CREDO Analytics’ to help both financial and non-financial institutions with their machine learning and big data challenges.

We currently have offices in Belgium (Antwerp) and Prague.

Our exclusively senior team  has extensive experience in financial institutions of all sizes and covers all aspects of risk measurements and more complex finance measurements: ICT, data, modelling/validation, governance and project management. We are therefore able to provide end-to-end solutions to our customers.

Meet our team

We are a small, highly specialized niche player – but even so we are growing!

Meet our current team:

Stefan Buyst

CEO and Founder Senior Business Analyst Financial Risk
Stefan started his career in the financial sector on the business side, managing credits and credit risk. During that time he acquired a master in Finance and Applied ICT.
Before founding CREDO Consulting in 2001, he worked as a Functional Architect and Product Manager developing operational components managing credits.
Since 2001, CREDO worked for many financial institutions in Risk and Finance projects implementing tools and building proprietary components.
In 2016 Stefan was one of four founding partners of CREDO Software and CREDO Analytics (CZ).

David Vanden Abeele

Senior Risk Modeller and Software Engineer
David has been modelling on computers since he was a teenager. Originally, he is a specialist in numerical analysis and parallel computing. He holds a PhD in Aerospace Sciences and has been involved in heavy number crunching in industry (automotive, steel, aeronautics) and academia (ESA, Russian Academy of Sciences …) prior to moving to the financial sector in 2007.
David got thoroughly acquiainted with credit and insurance risk modelling working as a validator. He then acquired a broader view on risk modelling as head of KBC’s Group-Wide Risk Modelling team for many years. He joined CREDO in 2015, to return to his roots, namely building high performance software for solving complex problems, such as IFRS9, IFRS17, etc. He is also active as a consultant on modelling projects in numerous financial institutions.
Outside working hours, you may find David sailing along the North Sea coast – or, more likely, changing diapers.

Stefano D’Angelo

Risk Modeller and Software Engineer
Stefano always had inclination and interest in everything about numbers and analysis. This is the main reason that drove him to choose engineering and then, to complete studies in applied sciences. He moved abroad for a master in fluid-dynamics (2007) and from there settled in Belgium for his PhD in numerical optimisation.
Finding new incentives and eager to apply his knowledge in different situations and trades, he decided to move to financial world. He joined CREDO at the end of 2015 where he could start building softwares for IFRS9 and IFRS17 and meantime working as a consultant on modeling projects for small financial institutes.
In spite of this, Stefano’s dream remains to be a professional football player … !

Radovan Parrak

Data Scientist
Rado graduated in Financial Economics, specializing in quantitative methods in finance, statistics and time-series econometrics. He is also a machine-learning enthusiast.
Before joining CREDO in 2017, he worked in financial industry since 2011 as Quant (KBC Group, risk domain) and Data Scientist (CSOB Group, marketing domain). He is our in-house R expert, but thanks to his activities in CREDO Software, he’s also handy with JAVA. Besides R and JAVA, he executed many projects in other high-performance computing environments (e.g. SAS EG/EM, Matlab, Python) too.
Having wide a tech-stack, deep knowledge of financial world and proven academic track record in quantitative fields makes Rado an ideal choice for your advanced analytics project.
Rado is a devotee of versatility and balance both in his career and private life. He is a passionate back-packer and an all-round sportsman (trekking, climbing, fitness and combat sports).

Herman Van der Stichelen

Senior Business Analyst Financial Risk
Herman received a master’s degree in computer science graduating from the Vrije Universiteit Brussel. He started working in the public administration doing projects on the mainframe. Then he switched to ICT consulting for financial institutions. Firstly implementing applications for credit management and credit process support.
Later on he moved into credit risk and more general financial risk projects getting involved in all phases from architecture study to implementation and delivery.
In July 2004 he joined Credo and continued servicing Financial Institutions in Belgium and abroad helping with implementing third-party risk solutions. He is also taking the lead of the product development within Credo since end 2016.
In his free time you can encounter him riding his bike.

Jean-François Distave

Senior Business Analyst Financial Risk
After graduating from the Solvay Business school and with a degree in ICT I started as a functional analyst in a software company.
Soon I joined CREDO, at first providing consultancy in Credit risk management and reporting (Basel II).
Later for integrating risk management and measurement solutions in major Belgian Banks.
After more than 10 years, the next obvious step was combining consultancy with CREDO software.
Contributing to the design, analysis and build of our high-performance multi-platform solution for risk management and stress testing.
In my free time I enjoy spending time with my family, running and playing hockey.

Tine Wynsberghe

Senior Business Analyst Financial Risk
Tine is a Commercial Engineer and also holds a master in Marketing Analysis. She is active in the financial sector since 2005 where she started her career as a SAS programmer in the credit risk domain. From 2007 till 2015 she worked as a functional analyst in both the market risk and credit risk domain. During that period she tackled several topics like the implementation of the Basel III legislation (Large Exposure reporting) and she also gave functional support to local entities on topics like securitization, guarantees, syndicated credits,…
After joining CREDO in 2015, she moved to the insurance industry where she has been working on the implementation of the Solvency II legislation and where she is currently focussing on the automatic creation of the local and group Economic Balance Sheet reporting.

Tamás Bányai

Tamás is a scientist and aerospace engineer with 15 years of experience in the fields of aerodynamics, numerical modelling, software engineering and consulting. He holds a PhD in the field of computational fluid dynamics, a.k.a. very heavy number crunching. Before joining CREDO in 2016, he has been involved in numerous projects aimed at developing computational simulation tools. He is a specialist in high performance computing: translating models into concepts implementable on computers, turning those concepts into reliable and highly efficient computer codes and performing the calculations.

Inge De Raeve

Inge has more than 10 years of experience within the banking industry and is still very passionate about her work in this sector. She has an extensive knowledge of financial products combined with strong quantitative and analytical skills. Her main area of competence is within business analysis where she knows exactly how to bridge the gap between business requirements and technical implementation. In her free time you can find her working in the garden or preparing meals for friends and family.
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