Has been leading the Balance Transfer product- Spearheaded the end-to-end product development of multiple initiatives- Led the creation and deployment of BT’s most advanced testing frameworks to date. These frameworks were designed to improve existing models and gather essential data, providing fundamental insights for the development of the future NPV Optimization Model Suite- Introduced Nudge and ATM ads for the first time in BT’s history resulting to increase user engagement, expanding the program's reach and effectiveness-Led the development of a new capability resulting in launching multiple-choice offer constructs simultaneously within a campaign, enhancing flexibility and personalization in marketing efforts- Expanded the eligible direct mail population by 8% while maintaining the existing risk profile- Designed and executed multiple A/B tests to optimize digital channel performance, leveraging data-driven insights to improve user experience and conversion rates by 6%

Led the Promotional Purchase Rates product- Successfully relaunched the product which was paused early 2022 by addressing multiple critical technical issues, enabling it to co-exist with other products- Optimized targeting and pricing strategies by improving existing dashboards and building new more granular reporting capabilities- Substantially increased the product’s NPV through implementation of refined targeting and pricing strategies- Stood up a comprehensive and robust control framework- Streamlined execution process to reduce the time required to launch a campaign by 8%- Achieved the highest response rate, setting a new benchmark in the program's history- Boosted CTR by 20% through innovative email creative designs and pioneered the use of banners in product’s history- Expanded the eligible target population by 12% while maintaining a stable risk profile

Led the digital marketing strategy and the execution of the Proactive Multicard product- Spearheaded the launch of web and mobile (Creditwise in-app) channels, resulting in significantly expanding customer acquisition potential- Conducted comprehensive analysis of competitor’s products to refine targeting strategy, enhance product features, and customer engagement- Refined marketing strategies for digital channel and enhanced email creatives, resulting in a 15% increase in approval rates- Designed and implemented innovative email creatives and subject line testing frameworks across digital channels, achieving a 22% uplift in customer response rates- Optimized existing exclusions, expanding target population by 200% and increasing profit by 145% without elevating overall risk profile- Worked closely with Legal, Compliance, Execution, Risk and Finance teams to ensure alignment across key initiatives, driving efficiency and impact

- Partnered with Treasury, Risk, Compliance, and Legal to swiftly develop essential policy documents and trading system controls, facilitating Capital One's rapid registration as a Swap Dealer with the CFTC in 2020- Prepared Treasury strategy owners for audits and examinations, resulting in the lowest number of audit findings in Treasury’s history- Actively engaged in Treasury control testing to ensure effective risk management practices across teams- Collaborated with Treasury to implement process automation, significantly reducing turnaround times and enhancing operational efficiency

BNP Paribas is the largest bank in the Eurozone.- Led automation projects to pull Credit Bureau data and laid the foundation for implementing a system to simulate automated decisioning engine for commercial loan applications- Developed tools to simulate the effects of individual credit risk rules on the commercial portfolio, enabling fine-tuning of these rules before the deployment of the decision engine- Led the design and implementation of company’s first automated commercial loan application process, increasing commercial portfolio automation by 66% and overall automation by 15%- Automated commercial loan application process allowed to simulate multiple risk scenarios by enabling simultaneously testing of multiple credit risk rules and reducing risk rates to historic lows- Designed credit policy rules and reporting tools for the very first “Stock Finance” credit product for car dealerships- Optimized commercial credit policy rules and decision engine, cutting Cost of Risk (CoR) by 20%- Designed the business requirements and led the implementation of OCR technology to automate financial statement entries, reducing financial analysis preparation time by 75%- Optimize the process to create dashboards for Executive Leadership by leveraging SAS queries, decreasing preparation time by 30%

Isbank is the largest bank in Turkey.-Oversaw audit teams to perform credit and operational risk audits-Served as examiner-in-charge, independently evaluated the quality of the company’s lending business and shared his findings with the Executive Leadership and the Credit Committee of the Board of Directors-Facilitated performance reviews for branch managers and head of LOBs-Carried out comprehensive audits and investigations to identify and analyze fraudulent activities and fund misuse-Performed in-depth financial analysis of clients to identify potential credit weakness and provided Executive Leadership with an objective assessment of the credit portfolio

Second largest private bank in Turkey by assests.

The largest rod producer in Turkey.