Experience

Near-Miss Management

• United States
• Software Development
• 1 - 100 Employee

• Chief Operating Officer

  • Mar 2017 - Present

  As part of the management team, the Chief Operating Officer role is an exciting, cross-functional, hands-on, detail-oriented role responsible for ensuring the overall commercial and financial day-to day operations of Near-Miss Management LLC. From a commercial perspective, these responsibilities include, but are not limited to areas such as tracking of the sales pipeline, agreement documentation/negotiation and completion of customer/vendor on-boarding. From a financial perspective, responsibilities include active management of the company cash flow, expense budget and accounting, invoicing and collections processes. Funding deal documentation/negotiations, as well as, preparation of board and investor-facing financial reports are also critical parts of this role. Finally, from an internal operations/process perspective, responsibilities include establishing light, scale-able processes with effective controls in areas ranging from HR to Accounting along with supporting the formalized documentation of key business processes, as needed. Show less



DenizBank

• Türkiye
• Banking
• 700 & Above Employee

• Head of Financial Institutions Credit Analysis Department

  • Jan 2014 - Dec 2016

  Responsible for performing the credit analysis of counterparties and facilitating the establishment of all necessary FI and Treasury counterparty credit lines in accordance with local and Group-level risk methodolgy frameworks.•Responsible for the conclusions of a team of analysts who are perfoming both country and counterparty analysis. Key components are analyzing financial statements, assessing external credit reports and ratings and calculating internal ratings to provide credit recommendations. •Joined the newly established department as it's first department head and successfully contributed to the final coordination, negotiation and integration of local DenziBank FI Risk processes into the Group methodology.•Key coordinator in the negotiation, testing and establishment of an expediated credit risk assessment process utilizing local and Group resources for quick assessment and results when critical underlying transactions are present. Show less

• Department Head, Cash Installments - Credit Card Portfolio

  • Jul 2013 - Jan 2014

  Responsible for managing and marketing Cash Installment products and increasing their penetration into the DenizBank Credit Card portfolio via structured, targetted cross-sell activities delivered across various sales channels and customer touch points. •Coordinated with key stakeholders ie. CRM, Telemarketing, Call Center to transfer best practices and establish an optimal, customer-centric targetting and cross-sell framework which created meaningful monthly sales volumes while sustainably supporting inbound and outbound sales channel capacity.•Worked closely with Insurance team and CRM to coordinate internal and external cross-sell of asset insurance products into the Cards portfolio. Show less



Citibank A.S.

• Vice President, Consumer Lending and Insurance Products Head

  • Jan 2013 - Jun 2013

  Co-Head for Consumer Lending and Asset Insurance Products with responsibility for the financial performance of the Consumer Loan, Overdraft and Insurance portfolios. •Responsible for developing and executing product/portfolio strategies focused on increasing volumes and profitability•Focused on deepening cross-sell penetration of insurance products into the asset product portfolios•Maintained all third-party insurance relationships•Designed and negotiated multi-party operational protocols with 3rd party insurance companies•Managed the design and implementation of the regulatory insurance reporting Show less

• Vice President, Sales Acquisition Strategy Manager

  • Oct 2010 - Dec 2012

  Responsible for developing and implementing strategies to increase new customer acquisition via lead procurement and management, new channel development and process re-engineering. Successfully managed and coordinated large cross-functional teams. •Developed new outbound Telesales channel which subsequently became the business’ second largest cards new acquisition channel.•Implemented the business’ first-ever “Prospect” database, used to house leads that feed outbound sales channels. Coordinated with internal technology and analytic functions to select vendor, design functional specification and finally implement and integrate database into sales process.•Managed a high-profile, cross-functional process re-engineering project involving a 20 member team from all business units, which targeted instant credit card decisioning and increased internal credit card straight-thru-processing rates. Show less



Citi

• United States
• Financial Services
• 700 & Above Employee

• Senior Vice President, Credit Portfolio Senior Risk Manager

  • Jul 2009 - Sep 2010

  Responsible for the acquisition and ECM credit policies of the Retail Bank Unsecured Revolving Lending Portfolios in Citibank, North America. Managed the credit policy function, across product lifecycle, for the CBNA Unsecured Revolving Overdraft and Ready Credit Portfolio Products ($1B ENR). Worked in tandem with Credit Operations to rationalize existing processes, execute solicitations and implement all developed risk policies and strategies in a highly complex and de-centralized operational environment.•Responsible for risk policy development, execution, segmentation and MIS/ Monitoring to manage product performance, including both losses and product-level profitability•Development and implementation of new scorecard strategies that redesign and standardize credit initiation processes to increase customer experience and efficiently handle new customer segmentation•Interacted closely with cross-functional business partners (Marketing, Ops, DM & Finance) to effectively manage overall product execution and bottom-line profitability•Established and managed a multi-national policy team of local and off-shore, outsource analysts Show less

• Resident Vice President, Credit Portfolio Risk Manager

  • Aug 2005 - Jul 2009

  Responsible for the credit policy function and credit strategies of the Credit Cards, Loan-On-Phone and Secured Overdraft portfolios with full accountability for portfolio performance and business financial results. Developed, implemented and maintained credit risk policies in the areas of acquisition and line management, including authorizations and reissue for $0.7B in total Cards exposure. Managed the risk/reward balance of a consumer asset portfolio in the highly developed and competitive Turkish market. Led team of 5 credit analysts. Show less

• Officer, Consumer Credit Risk Policy

  • Nov 2001 - Aug 2005

  Supported Cards portfolio policy management by preparing and negotiating proposals, preparing policies/procedures and conducting necessary trainings •Monitored portfolios through regular statistical data reviews •Refined credit policies, in the areas of credit cards acquisitions, line management and authorizations •Launched the Secured Overdraft Product and implemented ACA; the overdraft system support



Citibank A.S.

• Istanbul, Turkey

• Product Manager, Personal Installment Loans

  • Jan 2001 - Oct 2001

  •Optimized existing sales channel strategy •Streamlined front/back-end processes to re-launch PIL product •Completed monthly competitor analysis on market practices related to the PIL product •Optimized existing sales channel strategy •Streamlined front/back-end processes to re-launch PIL product •Completed monthly competitor analysis on market practices related to the PIL product



Arthur andersen

• Washington DC, USA

• Financial Analyst, Global Corporate Finance Group

  • Jul 1997 - Jul 2000

  •Conducted market analysis and determined market size for capital markets transactions •Valued companies and real estate for mergers, acquisitions, and/or recapitalizations •Prepared cash flow analyses and equity valuation models for various companies •Marketed deals to potential investors •Facilitated discussions and negotiations between clients and potential investors •Prepared new business proposals •Worked closely with clients to gather data necessary for all phases of the transaction •Negotiated vendor contracts •Conducted research on industry, company, and local market levels for business proposals and transactions •Compiled and analyzed data for Confidential Information Memorandums and due diligence processes Show less



PNC

• United States
• Financial Services
• 700 & Above Employee

• Financial Credit Analyst

  • Aug 1996 - Jul 1997

  Recruited as a member of the Corporate Banking Development Program and successfully completed the bank’s 6 month formal credit training program with emphasis on corporate accounting, bank policies and procedures, and financial lending practices •Performed in-depth financial credit analysis and prepared cash management proposals for middle market customers to determine lending risks associated with banking relationship •Acted as primary liaison between commercial loan customers and relationship managers to compile data for financial analysis and credit reports Show less