Andrea Barison Email and Phone Number

Leverage of capital offloading transactions (such as on-balance sheet securitizations and forward flow loan sales), proactively managing capital requirements, in order to unlock significant strategic and financial advantages for Klarna

- Credit Risk Management of PayLater, Financing & Direct Debit products in core markets- Transactional Underwriting and Credit Risk policy decisioning - Setting and monitoring business KPIs to improve business performance (e.g. Acceptance Rates, Delinquency metrics, Bureau costs) - Post Purchase Credit Management to optimize collection strategies (internally and through third-party Debt Collection Agencies) - Price renegotiations & impact assessment/forecasting of different price offerings- Analyses of collection performance vs. portfolio composition, driving insights from Debt Collection Agencies in regards to non collectable accounts- Identification, analysis, and interpretation of trends in complex data sets to drive the company in a profitable and competitive growth in the market.- Design, implementation, and maintenance of ETL pipelines in cloud environments to collect data from different sources

- Development & Optimization of EAD Models (Corporate) in A-IRB framework- Optimization (Calibration) of PD Models in IFRS9 framework- Audit Support (NDoD framework)

- Development of Satellite Models- Development & Optimization of LGD Models (PI, Corporate, SME)- Validation & Periodic Review of PD & LGD Models in A-IRB & IFRS9 framework

- Statistical modeling and implementation of different Data Quality Indicators- Management of different data sources using SQL scripting language and SAS software- Review of the internal credit risk models and monitoring of credit risk models’ dynamics- Models’ optimization and business hypotheses interpretation in cooperation with Raiffeisen Bank International Head Office

- Education of clients, enforcing policies regarding safe and proper use of equipment. - Implementation of one-on-one or group workout programs that match the needs and goals of clients- Education of clients on exercise physiology, proper lifting and exercises’ technique

- Analysis of sales’ data to improve the supply (turnover & seasonality forecasting)- Management of indoor and outdoor Sport events- Management of daily (Sales) & mid-term priorities (Management of Supply Chain)- Customer Service as Sport Advisor

- Design of Business Plan for the 3y and 5y time window- Review of Balance Sheets