Experience

Sente

• Poland
• Software Development
• 1 - 100 Employee

• Due Diligence & Operations

  • Jun 2017 - Present

  International startup accelerator program primarily focusing on B2B startups in Urban Mobility, Industrial IoT, Human Essentials (Food, Agriculture, Water) and Urban Tech (Construction, Real Estate, Architecture) International startup accelerator program primarily focusing on B2B startups in Urban Mobility, Industrial IoT, Human Essentials (Food, Agriculture, Water) and Urban Tech (Construction, Real Estate, Architecture)



Alternatifbank A.S

• Head of Risk Management Group

  • May 2015 - May 2017

  Reporting to: CROUnder Management: • Credit Risk Management• Market Risk Management• Operational Risk Management• Risk Analytics and Modeling• Information Security & Business Continuity Reporting to: CROUnder Management: • Credit Risk Management• Market Risk Management• Operational Risk Management• Risk Analytics and Modeling• Information Security & Business Continuity



Experian

• Information Services
• 700 & Above Employee

• Senior Global Consultant

  • Jun 2014 - May 2015

  Main Responsibilities:• Review business objectives and current situation of the client to offer the most optimal solution.• Providing consultancy services on origination, customer management, collections management strategy review, design, implementation, ROI confirmation & follow up.• Business development and pre sales support.• Leading global credit risk management projects.• Providing support of internal strategic initiatives.• Strengthening client relationships through client development activities.• Introduction of analytics driven process reengineering.



Societe Generale SA - Consumer Finance

• France
• Financial Services

• Director - Risk Management

  • Dec 2011 - May 2014

  Reporting to: Country HeadUnder Management: • Credit Policy & Fraud Manager, 4 people• Credit Analytics Manager, 2 people• Collections & Legal Follow Up Manager, 34 peopleKey Achievements:• Reorganized and managed above units.• Developed new monitoring approach especially for product finance credits received from merchants.• Revised existing credit policy rules to improve the risk quality of the portfolio. Main Responsibilities:• Determination of credit policy rules and strategies both for loan origination and collections.• Credit portfolio risk monitoring on monthly basis to evaluate the effectiveness of the risk strategies and accordingly making necessary changes at credit assessment policies and/or collections policies.• Analysing the risk level of merchants and applying different assessment techniques depending on their risk levels.• Risk scorecard development and/or modification studies.• Organizing trainings to increase the credit team’s business competencies and capabilities.



Fortis Bank A.S

• Investment Banking

• Director - Integration Team (Fortis A.S - TEB A.S merger)

  • Jul 2010 - Dec 2011

  Director--Integration TeamMain Responsibilities:• I have taken active role during the development phase of the operational merge project plan. Detailed analysis have been conducted to determine the strong and weak areas of each business line and their sub-functions. • Potential impacts of the merger on the current organizational structure, on IT infrastructure and on financial expectations have been evaluated with different scenarios. According to these outcomes projects have been classified as quick win/revenue generating/ synergy generating/ mid term and long term. My responsibility was to coordinate these projects defined under Retail Banking, Private Banking and Asset Management divisions. • Provided financial analysis support to head of integration and to head of business lines (assistant general managers) when taking strategic decisions.



Fortis Bank

• Banking
• 1 - 100 Employee

• Director--Individual Credits Underwriting & Credit Policy

  • Oct 2007 - Jul 2010

  • Responsible for the management of 3 units; Cash Loan /Car Loan /Overdraft Underwriting Unit, Credit Card Underwriting and Limit Increase Unit, Loan Store Allocation and Operations Unit. • Setting and ensuring the realization of credit underwriting policies for Cash Loans, Car Loans, Overdraft and Credit Card. Determining the loan allocation policy rules/operation flows for loan stores.Finalised projects:• Implementation of application processing system for Credit Cards, including NBSM, application scorecard, online KKB/TCMB integration , automated application fraud assessment.• Formation of application flow / infrastructure and credit policy rules for Instant Credit Card product.• Development of alternative processing flow for car loan applications received directly from Car Dealers.• Implementation of application processing system for Overdraft product utilising automated credit checks (KKB,TCMB,Fraud) and credibility assessment rules via NBSM (strategy management tool) and risk scorecard.• Formation of differentiated credit assessment strategies and process flow for University Card applications.• Launch of Loan Store project (cash loan branches) which consists of differentiated credit policy rules as the target segment is rather low profile segment.• Implementation of fully automated credit assessment flow for “Acil Kredi” cash loan product received via mobile phone/ivr/internet.• Formation of application process flow and credit policy rules for credit card applications received via blackberry devices.

• Manager--CRM Department

  • Jul 2006 - Oct 2007

  Reporting to: CRM DirectorUnder Management: 2 Assistant Managers and 5 employees in total.Key Achievements:• Two important projects have been put in production. Churn prediction, which was developed to estimate the customers having high probability of leaving the bank and offering alternative products to hold these customers. • Estimating the next product that the customer will most likely to buy and offer this product when the customer gets into contact with the bank.Main Responsibilites:• Responsible for analytical CRM studies of Retail Banking Division including Individual banking products, Consumer Finance products and SME banking products.• Preparing monthly/ yearly campaign plans with related Business Lines. • Development of propensity models with the aim of estimating the customers having the highest probability of purchasing a certain product.• In order to achieve successful campaign results, setting the campaign framework, defining and monitoring the roles of the related departments and coordinating the channels that take part throughout the campaign process.• Under the scope of the CRM studies, providing accurate continuity of the data warehouse system.



Finansbank

• Banking
• 1 - 100 Employee

• Asst Manager of Credit Policy Dep

  • Aug 1999 - Jul 2006

  Reporting to: MIS/Credit Policy/Collections/Accounting Group Head.Under Management: 4 employees.Key Achievements:• As a new comer to Finansbank I have taken the responsibility of setting up credit policy department from scratch. Accordingly, credit policy strategies both executed by the application processing system and also followed by underwriting officers have been prepared and put in to practice.Main Responsibilites:• Executing portfolio monitoring and scorecard monitoring analysis on monthly basis. Depending on the outcome of these analysis, in order to keep the risk level of the portfolio at acceptable levels making changes in credit policy strategies.• For having standardized and automated credit decisions, preparation of decision trees in the decision support system.• To maintain the competitive place in the market, improving the effectiveness of the credit processes and assessment policies that will support the development of new credit products.Finalised Projects:• Project team member of the credit risk framework project carried out with Mercer Oliver Wyman. Main target has been to restructure the credit processes to be in line with Basel requirements.• Project team member and responsible for credit policy rules’ implementation during the Anında Kredi Kartı project. Project’s main target has been to create the credit card and enable the customer use this card when making the purchase within the store.• I have taken part in more than 5 scorecard development projects which have been carried out with Experian.