Mischa Kroes

Mischa Kroes, FRM, is a Financial Risk Manager currently working at Pensioenfonds Rail & Openbaar Vervoer since October 2022. Prior experience includes serving as a Portfolio Manager at NIBC Bank from August 2021 to September 2022, overseeing interest rate risk, funding, pricing, and credit risk in the retail portfolio. Earlier roles comprised Junior Financial Risk Manager at Achmea Bank (April 2018 - August 2021), focusing on credit risk analysis, and an Intern in Balance Sheet & Risk Management, handling overall portfolio risk and assessing new opportunities. Mischa began a career as an Analyst at A&F Investments (September 2017 - April 2018), involving investment research and portfolio risk modeling, and also held a position as a Promotor at Pepperminds (June 2015 - June 2017). Educational qualifications include a Master's degree in Economics from Tilburg University (2017 - 2018) and a Bachelor's degree in Economics, Finance, and Financial Markets from the same institution (2013 - 2017).