André Lopes Email & Phone Number

Lisboa, Portugal

Working in the debt collection and recovery management area, co-leading an agile and multidisciplinary team of professionals, reporting directly to CRO and periodically to the Executive Management Board, with the following main goals: • Business support to archive the technical developments and management of new processes to deal with the attribution of public and private moratoriums to the customers (individuals, families and companies) that needed help in the last pandemic COVID crisis, minimizing the medium- and long-term economic impacts for the bank, in a period of extreme pressure and very short deadlines;• redefine the bank strategy in terms of debt collections and NPL – Non Performing Loans management, to better accommodate and minimize the impact of the new ECB regulation: new definition of default, new guidelines on credit admission and monitoring, IFRS9 – Stagging & Capital provisions, management of NPL Portfolios and REOs - aging, etc.;• improvement of processes and tools used in the debt collections activities privileging the Digital vs Human approach and Collecting vs Restructuring the debt, moving to omnichannel and customer centric processes to manage the contactability with debtors or restructuration of the debt;• build an internal analytics team to measure and monitor the collecting and restructuring activities and define the key indicators to serve all the monitoring e reporting needs; • build tools and strategies that brings a forward looking view, anticipating the next financial scenarios (real and stressed) so that we can be able to respond adequately to the future needs, financial but also in terms of the different teams sizing, capacity and focus;

Lisboa E Região, Portugal

Leading the team to focus in managing the entire range of retail credit exposures (loan book) and their effect on the balance sheet in terms of stock management and new loan origination, ensuring compliance with risk limits and risk-appetite yearly approved in the Executive Board Committee. CRPM functions requires also a superior market perspective and the capability to identify business opportunities, helping the business teams to define new products and campaigns that best meets the needs of the customers.• identify, recommend and implement strategies to best reduce the risk of loss by the deterioration of the customers financial capacities;• identify emerging risks, closely monitor local markets as well as industry developments, and recommend and implement risk strategies to ensure adequate portfolios performances;• leading data analytics resources to provide periodically credit risk reporting over the health and composition of the retail portfolios to the executive management and the board;• principal support to the model owners of the principal credit admission and behavioral models that support all the admission of new risk and monitoring activities for the retail portfolios;• responsible for developing and maintaining most of the credit and recovery policies and procedures for the retail portfolios;• communicate, guide and support senior business leaders, ensuring business alignment with risk strategies and proactively addressing emerging risks;• ensure compliance with regulatory requirements and engage with regulatory bodies and authorities are required;• be an integral part of the definition and development of new credit products, providing a specialized view of market risks and appetite; #Credit #Credit Policies #Mortgage #ConsumerLoans #CreditCards #StandardizedPortfolios #model #AdmissionBehaviorModels

Lisboa E Região, Portugal

Adding to the previous functions as head of MRM, the leadership of a separate team with the second line of defense role, implementing and managing a control framework for Capital figures and regulatory reports and exercises such as: • COREP – Common Reporting Framework (quarterly) and Capital adequacy figures;• Capital figures calculation (monthly) – RWA (risk weighted assets) and EL (expected loss);• IFRS9 Provisions calculation and adequacy (monthly report);• Annual Strategic Plans and budgeting exercises (Capital and Provisions allocation);• ICAAP and EBA StressTest exercises (Capital and Provisions allocation);

Lisbon Area, Portugal

Model risk management (MRM) refers to the overseeing of risks defined by potential adverse consequences from decisions based on incorrect or misused models. My role was build and lead a team to explore a new type of risk that the financial regulators had just identified and without any knowledge or experience, gradually raise the entire MRM framework.• conduct an initial assessment with all the different areas in the institution that had potential to use models, designing a comprehensive inventory of models in use throughout all the institution;• design the framework that will support all the MRM activities, since the governance rules and levels for new models approval until the tools to store all the information and manage the framework through the different life cycle phases of the models; • support and drive the team to implement the activities defined in model risk management framework and work with the Legal and Compliance teams to ensure that the MRM framework continues to comply with regulatory requirements;• be the bridge that connects the model development teams, the model owners and the model validation teams through all the lifecycle to ensure their alignment with the requirements defined in the MRM framework and also by the regulators in regard to regulation on models;

Lisbon Area, Portugal

Business and Data Analyst in the first 18 month and after that assuming the leadership of the external team of consultants in the Capital Adequacy area, with functions such as:• supporting the institution to comply with and apply the Basel II standards (international Capital Requirements framework) to all its credit portfolios, helping them in the data preparation (Data/Business Analytics), official application processes to the regulators, internal governance definition and fulfillment, monthly RWA and EL calculation, regulatory reports (COREP, EBA exercises, ECB exercises) and ad-hoc reports and analysis requested by the executive management body or committees; • contributing to the annual budgeting and stress test exercises contributing with a forward looking view for the Capital and Provisions principal figures;• developing a comprehensive controls framework applied to the key capital outputs from the calculation-tool and building internal processes to monitor and report the evolution the key indicators;

Lisbon Area, Portugal

Áreas de negócio:- Função Pública- Industria e Utilities- Banca (Área Risco Financeiro/Comercial)Skills:- Gestão de projecto/cliente (PMO);- Experiente em Risco de Crédito (CRD, CRM, Parâmetros de risco, Reporting reguladores & Compliance, ... );- Basileia II / III / CRD IV;- SAS Enterprise Guide e Base;- Experiente com ferramentas Office;- CRM (Epiphany Sales e Analytics INFOR);- Programação Java;- Bases de Dados (SQL e PL/SQL);

Formação Bancária

- Produtos bancários e financeiros - Crédito Bancário - Operações Bancárias Internacionais - Risco de Crédito e Operacional em Basileia II

Education record

Licenciatura, Informática De Gestão