Miklos Lukacs, CFA, Finance Expert in London, United Kingdom
Miklos Lukacs, CFA

Finance Expert in London, United Kingdom

Member since September 25, 2020
Miklos is a structured finance professional who has developed a cloud-based financial modeling platform that's used by several banks in the securitization market. He is an expert in cash flow modeling with experience in both investment banking (Morgan Stanley) and rating agencies (DBRS Morningstar). Miklos freelances to leverage his skills in complex financial modeling and Python programming.
Miklos is now available for hire

Career Highlights

Education

Select Certifications

Case studies

Expertise

Employment

  • CEO

    2018 - PRESENT
    Pylink Ltd.
    • Developed custom data science solutions: data cleaning, database management, exploratory data analysis, model development, data visualization, and deployment activities for clients in diverse industries (finance, media, and manufacturing).
    • Developed and backtested a sophisticated recommendation model.
    • Conducted detailed and customized exploratory data analysis to discover and validate patterns.
    • Built a robust classification model and a powerful interactive web-based BI dashboard to drive smart sales decisions.
    • Advised a large European bank to establish an internal data repository system.
    • Built a calculation engine (30,000 lines of Python code) that covers even the most complex financial features of securitized products.
    • Led a team of developers to build a web-based cash flow modeling platform for investment banks.
    Focus areas: Asset Securitization, Freelancing, Python, Cash Flow Modeling, Consumer Lending, Data, Database Management, Financial Modeling, Quantitative Finance, RMBS, Predictive Modeling, Banking & Finance, Jupyter, Credit Ratings, Software as a Service (SaaS), Statistical Analysis, Treasury, Data Science, Data Visualization, Data Engineering
  • Senior Financial Analyst

    2016 - 2018
    DBRS Morningstar
    • Developed and maintained cash flow models on European asset-backed securities (ABS) (e.g., auto loans, leases, credit cards) and residential mortgage-backed securities (RMBS) transactions, using INTEX DealMaker, Excel, Python, and internal software.
    • Wrote Python and VBA scripts to automate the European new issue and surveillance cash flow modeling process and improve efficiency across the modeling and rating spectrum.
    • Built an internal software solution to enable the rating analysts to do more advanced risk analysis. The solution included a flexible and easy-to-use interface. The Python back end connected to market-standard software through APIs.
    Focus areas: Cash Flow Modeling, Asset Securitization, Cash Flow, Asset-backed Securities (ABS), Credit Analysis, Credit Ratings, Data Analysis, INTEXcalc, wcmo wrapper, Jupyter, Structurered Product Specialist, INTEX DealMaker, Treasury
  • Analyst

    2014 - 2015
    Morgan Stanley
    • Assisted sales and trading to provide investors with trading ideas on UK pub securitizations.
    • Supported the investment banking division (IBD) to pitch for the restructuring of a large UK pub company (Mitchells & Butlers).
    • Played a key role in the CLO securitization process, including portfolio analysis, structuring, rating agency communication, legal documentation, and handled investor requests for analyses, such as IRR, cash flow, and breakeven.
    Focus areas: Structured Product Specialist, Asset Securitization, Banking & Finance, Asset-backed Securities (ABS), Cash Flow Modeling, Credit Analysis, Consumer Lending, Excel Modeling, Data Analysis, Microsoft Excel, RMBS, Excel VBA, Derivatives
  • Business Inteligence Analyst

    2013 - 2014
    Infomatix (Acquired by EPAM)
    • Provided advanced solutions in the FMCG sector by using statistical, mathematical, and econometric models.
    • Developed multivariate statistical models in R to support Proctor & Gamble's decisions about pricing and promotions.
    • Provided interactive reports and data visualization in Spotfire and Tableau.
    Focus areas: Statistical Modeling, Business Intelligence (BI), Statistical Analysis, Data Analysis, SQL, Fintech, Data Visualization, Tableau, Software as a Service (SaaS), Project Management, Portfolio Optimization, Predictive Modeling

Other Experience

  • Bots for Finance: How to Increase Back-office Efficiency Through Automation (Publication)
    Automating basic financial functions can save your company time and money and free your employees from tedious rote tasks. Toptal finance expert Miklos Lukacs explains how building a simple Python bot can streamline your business.
  • How to Build a Basic Python Cash Flow Model for a Loan (Publication)
    Python has taken the financial programming world by storm, and demand for finance experts who can use it is soaring. Here, a Toptal finance professional and Python expert shows beginners how to build a loan payment cash flow model with Python.

Education

  • Master of Science Degree in Actuarial and Financial Mathematics
    2010 - 2013
    Corvinus University of Budapest - Budapest, Hungary
  • Bachelor's Degree in Economic Analysis
    2007 - 2010
    Corvinus University of Budapest - Budapest, Hungary

Certifications

  • CFA Charterholder
    AUGUST 2017 - PRESENT
    CFA Institute

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