Topor has more than 15 years of experience in SME banking holding senior positions on segment and product management. Balazs has an end-to-end experience in sales management and portfolio valuation, as well as, in-depth expertise in customer value creation, segment differentiation and product design. He has a wide range of experience in implementation and fine tuning of process management. Balazs has worked in over 15 countries across Europe and has substantial experience in business model transformations and revitalizing of SME businesses in the aftermath of the financial crisis.