2 Direct reporting VPs, total of 85 employees consisting of data scientists, engineers, coders- Reporting directly to Compliance, Internal Control and Risk Management AGM - Responsible for Credit Risk strategies, policies, risk reporting for all portfolios; Corporate/Commercial Credit, SME and Individual LoansAdditional responsibilities to previous role:- Operational Risk Management, Credit Risk policies- Monthly execution of Loan Loss Provision(LLP) calculation for IFRS9 and… Show more 2 Direct reporting VPs, total of 85 employees consisting of data scientists, engineers, coders- Reporting directly to Compliance, Internal Control and Risk Management AGM - Responsible for Credit Risk strategies, policies, risk reporting for all portfolios; Corporate/Commercial Credit, SME and Individual LoansAdditional responsibilities to previous role:- Operational Risk Management, Credit Risk policies- Monthly execution of Loan Loss Provision(LLP) calculation for IFRS9 and monitoring of asset quality, LLP forecast, yearly LLP budget and monitoring, follow up of all sub segment breakdowns of ECL, ICAAP process, credit risk stress test, credit risk economic capital calculation, coordination of Risk Appetite Framework (RAF) Show less

2 direct reporting VPs, total of 50 employees consisting of data scientists, engineers, coders- Reporting directly to CRO - Responsible for Credit Risk management of all portfolios; Corporate/Commercial Credit, SME and Individual Loans- Decision support engines used for underwriting, collections/workout, limit management, pre-approved limit process,- All models within the credit life cycle of all segments (including all regulatory and managerial application, behavior models, A-IRB… Show more 2 direct reporting VPs, total of 50 employees consisting of data scientists, engineers, coders- Reporting directly to CRO - Responsible for Credit Risk management of all portfolios; Corporate/Commercial Credit, SME and Individual Loans- Decision support engines used for underwriting, collections/workout, limit management, pre-approved limit process,- All models within the credit life cycle of all segments (including all regulatory and managerial application, behavior models, A-IRB compliant PD, EAD, LGD models, FLI (Forward Looking Information), IFRS9 models, collection models, segment based managerial models, income models)Key accomplishments:- Leading change of organization, mind set to bring Credit risk management to the next level in line with Bank’s strategic objectives- All Unsecured Retail Products underwriting strategies were re-visited and simplified to match banks strategic initiative on digitalization; fasten time to yes and time to cash improved by 40%- Improvement in Credit card limit management strategies with an increase of limits by 27% within same risk levels- First bank in Turkey approved for A-IRB approach - All risk models certified by Banking Regulation and Supervision Agency (BRSA); approved to adapt Advanced Internal Rating Based Approach for risk weighted asset (RWA) calculation Show less

3 direct reporting VPs, total of 100 employees consisting of underwriters, analysts, project managers- Reporting directly to Retail Credit Assistant General Manager - Responsible for the underwriting of Credit cards, General purpose loans, mortgages and auto loansKey accomplishments:- Built extensive monitoring and analytics team to be able to define strategies that will mitigate risks and build on opportunities through the right initiatives working with Marketing and Risk… Show more 3 direct reporting VPs, total of 100 employees consisting of underwriters, analysts, project managers- Reporting directly to Retail Credit Assistant General Manager - Responsible for the underwriting of Credit cards, General purpose loans, mortgages and auto loansKey accomplishments:- Built extensive monitoring and analytics team to be able to define strategies that will mitigate risks and build on opportunities through the right initiatives working with Marketing and Risk teams- Defined the vision for individual loan lending, improvement of pre-approved process and automation rates in line with decision quality to match digitalization targets of the bank- Refined the organizational structure to boost operational agility & efficiency for faster decision making and maintained FTE at minimal levels in an environment of volume growth(%20 Reduction in total OPEX within the business line while volume growth and market share in individual loans doubled).. Show less

3 direct reporting managers, total of 40 employees- Additional responsibilities to prior role: Legal reporting in Retail credit including Private individuals and SME¡¦s and the application fraud team for individuals in addition to scorecards and decision support engines utilized within the credit life cycleKey accomplishments:- Lead role in the development of first generation customer based behavior scores and the implementation within the credit risk strategies- Lead role… Show more 3 direct reporting managers, total of 40 employees- Additional responsibilities to prior role: Legal reporting in Retail credit including Private individuals and SME¡¦s and the application fraud team for individuals in addition to scorecards and decision support engines utilized within the credit life cycleKey accomplishments:- Lead role in the development of first generation customer based behavior scores and the implementation within the credit risk strategies- Lead role during the merger of Unicredit/Kocbank and Yap. Kredi: system and process integration of all decision support engines- Coordinated one of the first asset sales processes in Turkish banking sector and executed 3 major asset sales for Credit cards, Consumer and SME loans- Lead Collection restructuring and optimization project Show less

2 direct reporting supervisors, total of 8 employees- Responsible for all scorecards, both underwriting and collection decision support engines utilized within the Credit Cards and Consumer Loans process- Analyzing and monitoring risk appetite and revising strategies accordinglyKey accomplishments:- Launch of first customer management project in sector; responsible project leader in the establishment of project scope, assessment of various vendors, end-to-end process design… Show more 2 direct reporting supervisors, total of 8 employees- Responsible for all scorecards, both underwriting and collection decision support engines utilized within the Credit Cards and Consumer Loans process- Analyzing and monitoring risk appetite and revising strategies accordinglyKey accomplishments:- Launch of first customer management project in sector; responsible project leader in the establishment of project scope, assessment of various vendors, end-to-end process design, implementation- Lead role in the centralization of the Consumer Loan underwriting process Show less

Responsible for leading the automated Credit card related projects including;- Implementation of portfolio management tools for limit management, collection, authorization- Development and implementation of account based portfolio management tools- Development of application and behavior score models

Lead role in the automation projects for underwriting through the implementation of decision support engines