Przemysław Paweł Januszaniec has spent more than 25 years in consumer finance, credit risk and credit operations across markets from Poland and the wider EU to Eastern Europe, South-East Asia and the US as CRO, CFO, CEO and on supervisory boards. A good chunk of his recent experience is in Asia, where technology has opened up access to financial services and changed how credit risk gets assessed. Financial infrastructure is becoming more modular: origination, funding, payments, servicing and risk management don’t have to live under one roof anymore. With 25+ Years In Credit Risk Management, What Lessons From Traditional Finance Shaped How Loanch Assesses And Prices Risk? Loan marketplaces complement banks by giving lending companies alternative funding and giving investors access to a different slice of credit.