Milan Havelka

Senior Risk & R&D Manager with 17+ years of experience in banking and financial services. Specialized in credit risk, underwriting, collections, portfolio management, process automation, and business transformation.

Experienced in designing and implementing automated decisioning and underwriting strategies for retail, entrepreneur, SME and corporate segments. Combines deep business expertise with a strong technical background in process mapping, project management, decision automation, business rules management, and AI adoption to drive operational efficiency and large-scale transformation initiatives across banking, insurance, e-commerce and other data-driven industries.