Management team

Meet our team

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

Meet our current team:


CEO and Founding Partner
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).


Partner and Senior Risk Modeller
David has been modelling the world on computers ever since he was a teenager. He is a specialist in statistical physics, numerical analysis and parallel computing with a PhD in Aerospace Sciences. He 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 acquainted 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, stress testing, etc. He is also active as a consultant on Risk Modelling and Data Science projects in financial institutions of all sizes.
Outside working hours, you may find David sailing along the North Sea coast or studying Slavic cultures and languages.


Enterprise Architect and Lead Development
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.


Product Director
Gunter began his career as a functional architect and later transitioned into a product manager role at a software company in the financial services industry. Armed with a master degree in applied economics and a strong entrepreneurial spirit, he swiftly established his own software company aimed at marketing core banking functionalities.
As Chief Product Officer, Gunter played a pivotal role in driving the international expansion of the software company. Following several mergers and acquisitions, Gunter remained an active member of the executive team. His experience will be crucial in steering Credo through its next phases of growth, focusing on expanding within our Belgian home market and exploring opportunities for international expansion.
In his leisure time, Gunter finds joy in traveling, reading and engaging in crafting activities.


Finance Manager