Publication
Bots for Finance: How to Increase Back-office Efficiency Through Automation
https://www.toptal.com/management-consultants/fintech/bots-for-finance
Miklos is currently unavailable
Miklos Lukacs, CFA
Verified Expert in Management Consulting
Management Consulting Expert
London, United Kingdom
Toptal member since October 6, 2020
Bio
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.
Career Highlights
CEO
Pylink Ltd.
Senior Financial Analyst
DBRS Morningstar
Analyst
Morgan Stanley
Education Highlights
Master of Science Degree
Corvinus University of Budapest
Certification Highlights
CFA Charterholder
CFA Institute
Case Studies
Development of a Cloud-based Cash Flow Modeling Platform
Cash Flow ModelingAsset-backed Securities (ABS)RMBSPythonProject ManagementDatabase Management
Recommendation Engine
Database ManagementPythonProject ManagementData Analysis
Classification Model to Drive Manufacturer Sales Efforts
Business Intelligence (BI)Data ScienceDecision Tree ClassificationInteractive DashboardsSales
Expertise
- Asset-backed Securities (ABS)
- Cash Flow Modeling
- Database Management
- Excel VBA
- Financial Modeling
- Python
- Quantitative Finance
- RMBS
Work Experience
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, 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, APIs, Jupyter, Product Management, 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: Product Management, 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: 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
Education
2010 - 2013
Master of Science Degree in Actuarial and Financial Mathematics
Corvinus University of Budapest - Budapest, Hungary
2007 - 2010
Bachelor's Degree in Economic Analysis
Corvinus University of Budapest - Budapest, Hungary
Certifications
AUGUST 2017 - PRESENT
CFA Charterholder
CFA Institute
Skills
Finance
Cash Flow Modeling, Asset-backed Securities (ABS), Data Analysis, Financial Modeling, Credit Analysis, Business Intelligence (BI), Consumer Lending, Cash Flow
Output Software
Microsoft Excel
Data & Analysis Software
SQL, Tableau
Industry Expertise
Banking & Finance
Other
Excel VBA, Python, INTEXcalc, INTEX DealMaker, APIs, Product Management, Jupyter, RMBS, Data, Fintech, Software as a Service (SaaS), Finance, Treasury, Quantitative Finance, Default Models, Credit Ratings, Stress Testing, Portfolio Optimization, Database Management, Excel Modeling, Project Management, Data Visualization, Predictive Modeling, Statistical Analysis, Derivatives, Sensitivity Analysis, Monte Carlo Simulations, Asset Securitization, Microsoft Power BI, Data Science, Decision Tree Classification, Interactive Dashboards, Sales, Data Engineering
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