Experience

Cepal Hellas Financial Services S.A.

• Greece
• Financial Services
• 400 - 500 Employee

• Deputy Chief Executive Officer - Chief Transformation Officer

  • 2022 - Present

  Responsible for:- Group Corporate Transformation

• Deputy Chief Executive Officer & Chief Transformation Officer

  • 2021 - 2022

  Responsible for:- Retail NPL Portfolios & Operations - Group Corporate Transformation

• Deputy Chief Executive Officer, Executive Board Member

  • Dec 2020 - 2021



Alpha Bank

• Greece
• Banking
• 700 & Above Employee

• Executive General Manager, Group Retail NPL

  • 2018 - Mar 2020

  Responsible for:- The Achievement of the SSM NPE/NPL Targets.- The Management of all Retail NPL functions; Business Planning (including International NPL activities), Operational and Systemic Support, Channels Management (Branch Network, Internal Debt Notifications Company, External offices/agencies), Retail Legal Workout and Retail Credit Assessment . - The Operation, the Improvement and the Execution of all business activities and strategies of the Bank’s new Transformation Plan. Show less

• Advisor to the Management on Non Performing Portfolio Issues

  • 2017 - 2018

  - Contributed in the design of the Strategy and Business Planning for Greek and International NPE Retail & Wholesale Portfolios.- Designed and Implemented the Retail NPE Transformation Plan.



Piraeus Bank

• Greece
• Banking
• 700 & Above Employee

• General Manager, RBU Strategy & Retail/SBL Recovery, Group Recovery Banking Unit

  • Nov 2014 - Aug 2017

  Directed the enhancement of the Bank’s existing Retail & SB recovery model, adding innovative features into a comprehensive NPL/NPE Servicing Platform, acclaimed by renowned international consultants as the most advanced platform in the Greek Market and achieving best results among peers. The platform offers a holistic approach in managing NPEs and its operating model comprises the following: - Innovative restructuring solutions- Specialized systems, tools and infrastructure- Organizational structure, including centralized and decentralized teams and recovery channels- Specialized processes, procedures and workflows- Portfolio management, business analytics and strategy Show less

• General Manager, Loan Administration Division Head

  • Jul 2014 - Nov 2014



Geniki Bank

• Greece
• Banking
• 1 - 100 Employee

• Chief Operating Officer, Member of the Executive Committee

  • Jan 2014 - Nov 2014

  Contributed in the transformation of a small commercial Bank into a unique NPLs Servicer and Affluent Banking entity. To this end, directed the implementation of a new technology platform (EFS) for NPL portfolios and actively participated in the design of the infrastructure required to operate a specialized network for affluent banking. Contributed in the transformation of a small commercial Bank into a unique NPLs Servicer and Affluent Banking entity. To this end, directed the implementation of a new technology platform (EFS) for NPL portfolios and actively participated in the design of the infrastructure required to operate a specialized network for affluent banking.



Eurobank

• Greece
• Financial Services
• 700 & Above Employee

• General Manager, Small Business Banking, Member of Group Executive Committee

  • 1996 - 2014

  Developed a new market for small business loans and services in Greece and, through an innovative operating model acquired the largest market share. The business model was developed in another six countries and amounted in a top-performing portfolio of € 12B. This business constituted a significant source of income for the Bank and was expanded in another six countries: Serbia, Poland, Bulgaria, Romania, Ukraine and Turkey.The SBL operating model included the following functions: Business Development, Marketing, Organosis, MIS, Credit, Loan administration (the largest in Greece), Channel Management, Risk, Finance and Remedial Management. Show less

• Deputy General Manager, Small Business Lending Unit

  • 2003 - 2004

• Head of Small Business Lending Unit

  • 1996 - 2003



Euromerchant Bank SA

• Athens, Attiki, Greece

• Head of Mortgage Lending Unit

  • 1995 - 1996

  Developed the Retail Banking sector of the Bank, which until then was merely active in Private Banking and Wholesale. Implemented the required organizational structure, systems, products and sales channels, through which the Bank set the basis to penetrate the Greek Retail market by acquiring Interbank SA. Developed the Retail Banking sector of the Bank, which until then was merely active in Private Banking and Wholesale. Implemented the required organizational structure, systems, products and sales channels, through which the Bank set the basis to penetrate the Greek Retail market by acquiring Interbank SA.



Interbank SA

• Greece

• Deputy Head of Mortgage Lending Unit

  • 1994 - 1995

  -Member of Delinquency Board, Commercial Strategy, Executive Committee Enriched Mortgage Lending with new products and implemented a new organizational structure, increasing productivity and enhancing results. -Member of Delinquency Board, Commercial Strategy, Executive Committee Enriched Mortgage Lending with new products and implemented a new organizational structure, increasing productivity and enhancing results.



National Housing Bank SA

• Greece

• Director - Advisor to the Management

  • 1991 - 1994

  Created a new product suite, based on US standards and advanced international techniques, introducing innovations and changing the entire structure in Credit and Loan Administration units. Created a new product suite, based on US standards and advanced international techniques, introducing innovations and changing the entire structure in Credit and Loan Administration units.



Mortgage SA (Subsidiary of National Housing Bank)

• Greece

• Chief Executive Officer

  • 1991 - 1994

  Developed the first sales network in a public Bank, that compensated sales of mortgage lending products with a commission. Developed the first sales network in a public Bank, that compensated sales of mortgage lending products with a commission.



Housing Mortgage Corp

• United States
• Real Estate

• Executive Director

  • 1990 - 1991



NOVA Mortgage Bankers

• New York, United States

• Head of Marketing & Vice President

  • 1988 - 1990

  Managed the Business & Sales Managed the Business & Sales



N.Y.M. Financial Corporation

• New York, United States

• Mortgage Loan Broker & Head of Marketing Department

  • 1984 - 1988

  Acted as broker for Mortgage Sales Acted as broker for Mortgage Sales