Andrew Rupal, Mba, Frm Email & Phone Number

Burlington, On, Ca

Burlington, Ontario, Canada

• Chief Risk Officer for DLL's Energy Transition lending activities and risk strategy globally.• Focused on providing green, asset-based finance solutions to corporate and SME customers in a number of key markets:- Clean energy consuming assets, including e-mobility and asset electrification- Clean and renewable energy generation in the Corporate and Industrials segment- Energy efficiency assets, including integrated multi-asset solutions- Infrastructure assets, including… Show more • Chief Risk Officer for DLL's Energy Transition lending activities and risk strategy globally.• Focused on providing green, asset-based finance solutions to corporate and SME customers in a number of key markets:- Clean energy consuming assets, including e-mobility and asset electrification- Clean and renewable energy generation in the Corporate and Industrials segment- Energy efficiency assets, including integrated multi-asset solutions- Infrastructure assets, including charging solutions and Battery Energy Storage Solutions (BESS) Show less

Burlington, Ontario, Canada

Chief Risk Officer for DLL's healthcare, clean technology and advanced solutions Global Business Units (GBU's)• Responsible for managing DLL’s group’s financial and non-financial risks, including Climate Risk relating to DLL's vendor partners in the Healthcare and Clean Technology markets.• Member of the Global management team, responsible for providing guidance on all risk-related matters and providing independent risk opinions on new business activities, sector trends, underwriting… Show more Chief Risk Officer for DLL's healthcare, clean technology and advanced solutions Global Business Units (GBU's)• Responsible for managing DLL’s group’s financial and non-financial risks, including Climate Risk relating to DLL's vendor partners in the Healthcare and Clean Technology markets.• Member of the Global management team, responsible for providing guidance on all risk-related matters and providing independent risk opinions on new business activities, sector trends, underwriting criteria and portfolio performance.• Owner of all Risk Acceptance Criteria (underwriting guidance) for all sectors covered.• Led workstreams aimed at supporting DLL’s risk capabilities in the Energy Transition market: e-mobility, clean power generation, infrastructure and energy efficiency assets• Chair of the Pay-Per-Use Committee; A niche team within DLL developing an Asset-as-a-Service proposition Show less

London, United Kingdom

• Reporting directly to the CRO, I was the Head of Risk for STB's corporate and SME lending businesses, covering real estate (investment and development) finance, commercial finance/ABL, equipment finance and wholesale auto finance.• Represented Risk in interactions with Regulators. • Responsible for setting and maintaining all risk appetite frameworks across credit, operational and fraud/AML risks.• Member of the Secure Trust Bank Plc Credit Committees for SME/Corporate lending… Show more • Reporting directly to the CRO, I was the Head of Risk for STB's corporate and SME lending businesses, covering real estate (investment and development) finance, commercial finance/ABL, equipment finance and wholesale auto finance.• Represented Risk in interactions with Regulators. • Responsible for setting and maintaining all risk appetite frameworks across credit, operational and fraud/AML risks.• Member of the Secure Trust Bank Plc Credit Committees for SME/Corporate lending decisions.• Owner of the SME IFRS9 provisioning models and member of Models Governance and (Economic) Assumptions Committee.• Led the design and implementation of a new PD model and rating scale for the Real Estate Finance business. Show less

London, United Kingdom

• Voting member of the Investec Bank Plc Credit Committee, covering all business lines offered by the bank including Real Estate, Project Finance, Financial Institutions, Fund Finance/Subscription finance and Corporate lending.• Primary credit officer for the Corporate portfolios: Leveraged Finance (Majority PE-sponsor backed), ABL and Asset Finance/Leasing portfolios, focused on mid-market clients in the UK, Benelux/DACH, Australia and India.• Strong focus on PE mid-market

London, United Kingdom

• Development, testing and implementation of application and behavioural credit scorecards for UK SME's • Translation of credit scorecards into Basel compliant (AIRB) PD and LGD models for internal capital calculations• Development of Model Governance frameworks and associated reporting metrics• Economic capital and pricing model development to support portfolio strategy development• Credit partner for the middle ticket leasing division focusing on larger, structured asset… Show more • Development, testing and implementation of application and behavioural credit scorecards for UK SME's • Translation of credit scorecards into Basel compliant (AIRB) PD and LGD models for internal capital calculations• Development of Model Governance frameworks and associated reporting metrics• Economic capital and pricing model development to support portfolio strategy development• Credit partner for the middle ticket leasing division focusing on larger, structured asset finance and block discounting transactions Show less

London, United Kingdom

• 1st line credit partner for the middle ticket sales team, focusing on larger (>£1m), structured equipment finance transactions

Amsterdam Area, Netherlands

• Developing interactive Management dashboards in Qlikview 10, focusing on a mixture of Sales performance, Risk metrics and Financial/Management results - including (AIRB) Risk Weighted Assets, ROI and Risk/Reward. Dashboards are designed to effectively illustrate portfolio trends and identify both the potential problem areas as well as star performers and opportunities.• Custom database building and data mining to provide information for non-standard requests for a range of internal… Show more • Developing interactive Management dashboards in Qlikview 10, focusing on a mixture of Sales performance, Risk metrics and Financial/Management results - including (AIRB) Risk Weighted Assets, ROI and Risk/Reward. Dashboards are designed to effectively illustrate portfolio trends and identify both the potential problem areas as well as star performers and opportunities.• Custom database building and data mining to provide information for non-standard requests for a range of internal and external stakeholders.• Writing lending policies and reference cards to set minimum standards and facilitate the sharing of best practices amongst the Leasing entities of ING.• Report building to enable automated periodic portfolio analyses.• Participation in a range of Credit and Operational risk projects as they arise (e.g. LGD model validation) Show less

Amsterdam Area, Netherlands

• Principal Credit Officer for ING's Leasing and Factoring business units in France, Russia and Ukraine with additional oversight over other CWE and CEE regions.• Responsible for analysing and approving/advising on applications from my designated portfolio where the local approval mandate is exceeded, encompassing new structured facilities, modifications and restructurings/work-out situations.• Wide range of asset classes and sectors covered, ranging from software and IT to… Show more • Principal Credit Officer for ING's Leasing and Factoring business units in France, Russia and Ukraine with additional oversight over other CWE and CEE regions.• Responsible for analysing and approving/advising on applications from my designated portfolio where the local approval mandate is exceeded, encompassing new structured facilities, modifications and restructurings/work-out situations.• Wide range of asset classes and sectors covered, ranging from software and IT to construction equipment, cars, real estate and infrastructure assets.• Performing portfolio reviews with a focus on portfolio evolution, asset mixes, arrears, and assessment of current and potential non-performing loans.• Approving provision/impairment levels for non-performing loans each quarter.• Ad Hoc Credit-related projects, including the rollout of a standardised approval process amongst ING Leasing and Factoring Business Units. Show less

London, United Kingdom

• Analyst within the Structured Lending division of ING Lease UK, financing larger structured transactions (>£1m) for a variety of domestic and international clients in multiple sectors.• Worked alongside the Account Managers on every transaction to prepare submissions for approval, ensuring that all ROI/pricing hurdles are met.• Extensive financial analyses, dissecting reports from external rating agencies (Standard & Poors, Moody’s and Fitch) and assigning internal… Show more • Analyst within the Structured Lending division of ING Lease UK, financing larger structured transactions (>£1m) for a variety of domestic and international clients in multiple sectors.• Worked alongside the Account Managers on every transaction to prepare submissions for approval, ensuring that all ROI/pricing hurdles are met.• Extensive financial analyses, dissecting reports from external rating agencies (Standard & Poors, Moody’s and Fitch) and assigning internal credit ratings.• Responsible for preparing group reviews on the Structured Lending portfolio and for managing Vendor credit facilities. Show less

Master Of Business Administration (M.B.A.)

Ba (Hons), Business Management