Experience

CardCom

• Israel
• Financial Services
• 1 - 100 Employee

• Chief Risk Officer (CRO)

  • 2021 - Present

  ✓ Establishing and managing the company’s risk and compliance division. ✓ Leading cross-organizational work processes until they go live and tailoring them both to the company's appetite for risk and to existing regulations. ✓ Conducting event investigations and gap surveys, including drawing conclusions, reporting, and providing recommendations for improvement. ✓ Working regularly with the internal auditors (Monarov & Co.), including presenting existing processes, responding to the audit’s comments, and reducing risks. ✓ Writing the company's policy documents, including clearing, risk management, compliance, money laundering law, and new product approval documents. ✓ Overseeing compliance, including with money laundering and terrorist financing law. ✓ Submitting routine reports to the Chairman of the Board and the CEO on the progress of projects, including on deficiencies, risks, auditing requirements, and observance of schedules. Show less



P.L.T. FINANCIAL SERVICES LIMITED

• United Kingdom
• Financial Services

• Credit Risk Manager and Compliance Officer

  • 2018 - 2020

  ✓ Risk manager and compliance officer at a non-bank credit company traded on the TASE. ✓ Planning, building, and managing work processes organized according to standard regulatory requirements. ✓ Implementing all regulatory provisions in practice, including regular reports to relevant entities. ✓ Examining and approving the underwriting processes carried out by service personnel. ✓ Measuring various indicators in client portfolios (change in risk levels, average lifespan, and macroeconomic changes). ✓ Providing regular and quarterly reports to board members on the company's credit performance. Show less



Isracard

• Israel
• Financial Services
• 700 & Above Employee

• Credit Risk Department Manager

  • 2011 - 2018

  ✓ Establishing and overseeing the company’s credit risk management and credit auditing.✓ Managing a team of economists, preparing annual work plans, setting objectives, soliciting feedback, and striving for constant improvement.✓ Establishing and managing a second auditing circuit, leading and implementing the organization's business and consumer credit processes.✓Supervising the credit provision processes of the first circuit (i.e., the Credit and Financing Division) for business and consumer credit.✓ Examining failure metrics in the business and private sectors to identify gaps in the statistical models.✓ Working regularly with the company's marketing manager to penetrate new market segments and increase the volume of consumer credit activity.✓ Measuring, analyzing, and recommending company KRIs and KPIs relating to the provision of credit and the measurement of credit risk. Show less

• Credit Control Department Manager

  • 2008 - 2011

  ✓ Establishing the company’s business credit control department upon it entering the nonbank credit business.✓ Managing a team of credit controllers.✓ Establishing and managing credit control, including identifying weaknesses and designing, developing, and preparing work plans.✓ Leading the "Red Lights" project to predict the beginnings of client business failure.✓ Implementing cross-organizational control processes for information systems in the Credit and Financing Division.✓ Managing routine operations alongside the business units, including recommending new credit provision and bringing up negative signals about clients. Show less



צמרת מימונים

• Israel
• Banking

• Credit Risk Controller

  • 2006 - 2008

  ✓ Establishing the company’s credit control operations. ✓ Advising and guiding sales agents prior to recruiting new customers, including assessing customer risk and possible credit paths. ✓ Updating sales agents on the frequency and scope of customer portfolio activity and on changes in the risk’s composition. ✓ Providing expert opinions and recommendations to the credit committees of the company of the Board of Directors. ✓ Establishing the company’s credit control operations. ✓ Advising and guiding sales agents prior to recruiting new customers, including assessing customer risk and possible credit paths. ✓ Updating sales agents on the frequency and scope of customer portfolio activity and on changes in the risk’s composition. ✓ Providing expert opinions and recommendations to the credit committees of the company of the Board of Directors.