• Implement, design, manage and maintain Credit Decision Support System (PCSM)• Monitor, maintain and evaluate performance of Credit Decision Support System and Individual Credits Portfolio• Leading benchmark analysis• Leading implementation, decision validation and strategy adjustment for both customer and bank proactive application channels• Design and maintain retail credits datamart and dashboards• Supervising data governance activities and review necessary compliance procedure and standards• Defining business needs, user stories and leading project demands• Leading deep dive data analysis and create applicable outputs• Providing obligatory reports to BRSA• Providing strong analytical and problem-solving skills to develop effective solutions for challenging situations and volatile requirements• Identify analytical model needs that can increase effectiveness of lending strategies• Involved in and/or completed following professional projects;> Digital Consumer Lending Program (10/2023 - Present)> Retail Credits Datamart Project (12/2022 – Present)> Retail Credits Dashboard Project (11/2022 - Present)

• Led analysis and campaign processes for Micro SME Banking portfolio growth to realize profitability targets and increase activity volume• Managed Micro SME portfolio customers and created balance growth• Led business intelligence projects on Power BI• Implemented and validated propensity and churn models of various financial products• Built CRM processes and activities to improve management efficiency for client portfolios• Led implementation of campaign designs• Managed customer contact strategies• Created various reports and dashboards that monitor portfolio monitoring and campaign communication results• Led benchmark analysis• Followed share of wallet of Micro SME portfolio and took necessary actions to increase market share• Led actions to increase NPS (Net Promoter Score)• Identified analytical model needs that can increase effectiveness of portfolio management and campaign communications by implementing and coordinating models• Took charge in real-time customer campaign and offer interfaces• Conducted data governance activities and reviewed necessary compliance procedure and standards• Achieved Business Banking portfolio customer and balance growth by 25% and 85% respectively• Collaborated with sales, segment, marketing and rural managements• Worked closely with IT and PMO departments• Defined business needs, user stories and lead project demands• Led team via scrum/kanban methodology. Acted as product owner and scrum master• Led deep dive analysis and create applicable outputs• Worked effectively in fast-paced environments• Demonstrated high level of initiative and creativity while tackling difficult tasks• Involved in and/or completed following professional projects;> Business Banking Underwriting Infrastructure (06/2022 - 10/2023)> Business Banking Pricing Infrastructure (08/2022 – 03/2023)> Business Banking CRM NBA Infrastructure (11/2022 - 01/2023)> Business Banking Marketing Dashboard (03/2022 - 06/2022)

• Acted as the head of Individual Loans Analytics Reporting Manager• Led process of monitoring and analyzing individual loans portfolio including secured and unsecured consumer loans, overdrafts and credit cards• Managed underwriting process that consists of more than 25 million customers• Led benchmark analysis through peer banks’ public quarterly reports• Analyzed price sensitivity of retail portfolio• Led implementation, decision validation and strategy adjustment for both customer and bank proactive application channels• Administered expected budget for credit loss and utilized through PD, EAD and LGD models• Maintained retail loans datamart and online dashboard on Power BI• Operated, developed and implemented cloud based underwriting decision systems• Supervised data governance activities• Collaborated with risk management, underwriting, and marketing managements• Worked closely with IT and PMO departments• Defined business needs, user stories and led project demands• Led deep dive data analysis and create applicable outputs• Providing obligatory reports to BRSA• Used strong analytical and problem-solving skills to develop effective solutions for challenging situations and volatile requirements• Involved in and/or completed following professional projects;> Retail Credits Underwriting Datamart (01/2021 - 07/2021)> Retail Credits Underwriting Dashboard (09/2021 - 12/2021)> Retail Credits Underwriting Cloud Based Application Infrastructure (01/2020 - 09/2021)> Retail Credits Customer Income Model (03/2016 - 06/2016)

• Took role in designing, implementing and monitoring retail credits risk strategies• Regulated credit collection strategy rules by leading analyzes and data mining studies related to segmentation and customer profiling• Created and validated propensity models for credits collection (20% of increase in collection rate)• Measured and monitored of major and ad-hoc credit risk metrics such as DPD and NPL analysis, recovery rates, roll rates, PD realizations, specific provisions and vintage based performances• Maintained collection call lists and monitoring performance• Initiated a brand new agent promotion model which is based on collection amount and recovery rates• Involved in and/or completed following professional projects;> Retail Credits Collection Monitoring Datamart (11/2013 - 09/2014)> Retail Credits Collection Agent Promotion Model (07/2013 - 10/2013)

• Monitored and reported numerous portfolios for legal follow-up credits• Created and optimized legal collection strategies• Managed non-performing loans portfolio for law offices and monitored their financial performances on operations• Created and validated legal follow-up collection models which led 15% of increase in collection rates• Created and implemented self-service reports for end-user law offices and collection agents• Prepared c-level presentations and reports include key metrics of non-performing loans portfolio• Lead required database developments