Erol Tuna Email & Phone Number

Istanbul, Turkey

Baghdad, Baghdad Governorate, Iraq

- Offering executive services to FinTechs and Banks, specializing in payments, e-money, and digital banking; instrumental in establishing, managing, and fostering the growth of businesses both locally and internationally.- Expertise in remittances, cross-border money transfers, and the implementation of prepaid/debit/credit card solutions.- Adept at navigating the landscape of open banking, open finance, and open data.- Successfully executed major projects in 2022-2023; details available upon request.

Istanbul, Turkey

• RedRose Technology is a social enterprise leading the market as a technology service provider with end-to-end, full integrated easy-to-use humanitarian data management platform, specializing in beneficiary registration, digital identity (including biometrics), e-voucher solutions, cash payments and asset transfers. • RedRose operates in over 40 countries to assist International Non-Governmental Organizations like The International Federation of Red Cross and Red Crescent Societies (IFRC) / International Committee of Red Cross (ICRC) and the United Nations to deliver in excess of 200 e-voucher, cash and in-kind programs to assist more than 70 million beneficiaries across a number of challenging humanitarian contexts.• RedRose's platform is trusted to process major donor funds, such as USAID, by several organizations and consortiums. • In keeping with RedRose's goal to develop a product line to give actors more options to provide assistance, including new cash distribution opportunities such as Partnerships with global Financial Service Providers and Mobile Money Providers, successfully negotiated an extensive deal with MoneyGram for full integration to the RedRose platform for the provision of humanitarian cash assistance services globally.

Istanbul, Turkey

- First set up MoneyGram in Turkey as a branch of the UK entity in 2011 and then filed a license application in line with the payment services directive to the banking regulator and established it as a local joint stock entity as the wholly owned subsidiary of MoneyGram USA in 2015. - Responsibilities included the overall management of the business as the Country Manager with a sharp focus on business development of MoneyGram Payment Services. The local entity consisted of 5 core functions; Accounting/Finance; Account Management/Operations, Business Development, Compliance/Risk and Internal Controls.- This role required developing the business through working together with key stakeholders in this industry such as banks, payment institutions, retail networks and governmental organizations regulating the industry (Banking Regulator, Revenue Administration, Local Financial Intelligence, Central Bank...), external advisors and service providers (PwC, E&Y, KPMG, Deloitte, Server Hosting Provider, Legal Outside Counsel...) as well as internal partners such as other Regional Heads, Country Managers, Marketing Heads, IT & Ops Heads to develop business volumes for key money transfer corridors and remittances.- Successfully expanded the agent network from 400 locations to 1.200 locations in the first 2 years single-handedly and expanded the business out of banking realm into retail domain with c. 200 additional retail locations.

Turkey

- Developed new innovative alternative sales channels and methods for credit card customer acquisition. (e.g. member get program, instant issuing, and embossing, supplementary card issuing, product bundles, intelligent web/sms/ivr acquisitions, strategic alliances, and partnerships (Both for Visa and MasterCard)- Actively participated in the development of four new credit card products, (Wings, Wings Business, Fish and Carrefour Cards) and has grown the customer numbers beyond expectations for all three products by devising and implementing sound customer acquisition strategies.- Increased the performance of the account fulfillment systems and thus the number of approved customers by advising strategically robust and manageable actions regarding process design and improvement.- Managed all credit card sales channels’ performance. Achieved top position in credit card sales among the top 4 banks in Turkey. Succeeded 3 million+ applications on average every year.

Istanbul, Turkey

- Assigned as Branch Manager as part of a major reorganization within the bank.- Achieved 30% deposit growth and 140% loan growth in 2006.- Increased profitability of the branch by 156% in 2006 first year half.- Extensive knowledge and understanding of retail and SME banking.

Akbank - Istanbul, Turkey

- Developed the premium Travel & Entertainment and commercial client base and product portfolio by colloborating with various business functions (i.e. IT, product, risk, operations, branches, call center...)- Achieved cards portfolio growth of %233 and annual turnover growth of %166.• Designed and implemented acquisition & usage campaigns and loyalty programs from a life cycle marketing perspective to achieve business targets. (e.g. direct sales stands, telemarketing, direct mail, auto issue, branch incentive schemes, permanent limit increase programs, flight miles, membership rewards...)- Provided effective strategic business analysis of the portfolio dynamics via data mining tools to identify profitable and robust actions to increase and improve portfolio profitability.- Development of business and profitability model of Amex Card Business in Akbank.- Acted as Business Project Leader of card platform migration project for American Express cards. Coordinated the development of marketing and business requirements for the new cards IT platform (vision plus).- Developed, implemented and managed internal projects on process design & improvement. Identified quality gaps and followed-up with action plans to address these.- Actively participated in the design & development of bank-wide customer segmentation project for the development of the CRM strategy of the bank.

Istanbul, Turkey

- Managed a sales team of 3 business development managers in Istanbul, Izmir, and Ankara with an aggressive corporate sales target of total security solutions. (Manned guarding, electronic security systems, security, and safety consultancy and temporary watch.)• Achieved %40 business growth. Responsibilities Included:• Development of commercial strategies, management of terms of trade and profitability.• Market segmentation and service/product differentiation, competition and market analysis.• Direct management of B2B sales targeting blue-chip companies.• Customer communication and advertising.• Management of contract making processes• The internal audit of ISO 9001:2000.

Turkey

- Got promoted from Bursa to Izmir (Agean Region) after having worked in Bursa region for 8 months.- Responsible for 4 Team Leaders and 35 Sales Executives with a sales target of 15% share of Citibank Credit Cards and other consumer credit products.- Managed the satellite office as the consumer credit business point in Izmir, expanded the distribution of the business, provided feedback from the field to respective units to improve program delivery and product value, ensured regular meetings and managed relationships with other departments to achieve optimal acquisition programs and developed/used forecast/tracking MIS.- Effectively managed the budget in Direct Sales in Izmir including expense and production forecast to acquire targeted new customers through direct sales within the budget.- Developed and implemented a direct sales channel, including the building, training, and motivation of a highly productive direct sales team. Managed employee turnover, improved employee satisfaction and continuously monitored the performance of sales teams across multiple parameters.- Developed and implemented a strategically sound direct sales plan to meet acquisition targets.- Successfully implemented the segment approach of the business to the sales team.- Effectively managed the risk factor within the business especially by monitoring external and internal fraudulent activities proactively to keep the credit losses below a certain level and to ensure portfolio robustness.

Turkey

- Managed the sales operation of 41 dealer-owned fuel retail outlets in cities of Bursa, Adapazari, Eskisehir, Izmit, Bilecik, Yalova, and Kutahya (South Marmara Region)in accordance with action plans.- Handled a sales volume of approx. 150.000.000 USD/year with a profit margin of approx. 10.000.000 USD/year.- Successfully executed business plans across the network within the territory. Responsibilities included:- Achievement of fuel, lubricants and non-fuel retail (Select stores and vehicle identification system) sales targets.- Management of customer credit risk limits, outstandings and overdues.- Retail sales operations management.- Network performance management. (Sales, equipment provision, pump pricing...)- Customer service and brand performance management. .

Executive Mba

Bsc, Mechanical Engineering