Governance on risk management & strategy, with input in implementation of the risk associated strategyDefine and follow up on risk management strategies’ implementation, country levelCoordinate the entire risk, compliance and collection activityDelegated authority to approve credit files and KYC filesMember of local Risk and Recovery committee, ensuring an integrated risk perspective assessmentCredit risk and KYC analysis, underwriting and decision makerFollow-up, check guarantees and implement the contractsApply the risk and KYC analysis for our suppliers, re-marketing, brokers and other business partners Rating and scoring models - development and analysisDigitalization and automation of the scoring model (ie: data analysis, pre-scoring methods etc)Portfolio and monitoring analysis, KPIs, as well as timely adjustments where the caseCredit-back testingALD group – reporting and statistical analysisMonitor of the provisionsSPOC with external auditors and local regulatory authoritiesPerform trainings to spread the culture risk within organizationRecruitment, appraising and development of new team members

(Former Emporiki Bank Romania)Financial and credit analysis for corporate customers (Small and Medium Enterprises)UnderwritingParticipate and sustain credit files in credit committeesImplementation of credit approvals and credit contractsDirect contact with the client, including regular meetings Collateral analysisPortfolio analysis