Selected projects.1. Asset management company in Indonesia – risk policies creation, communication with investors and cooperating banks, portfolio selection criteria for ABS, due diligence of cooperating finance companies.2. Microfinance company in Myanmar – collections strategies optimization after a military coup for the portfolio, improvement of operational risk, LORM positions and operational risk capital calculations.3.KPMG Ireland - risk associate director contract for assignment for various risk projects.

Leading all risk functions for own portfolio of credit cards and cash loans in Vietnam and Philippines, underwriting, anti-fraud, collections and provisions calculations.Providing consultancy services across the group for India market (SME lending for retailers cooperating with telco operators), Indonesia (partnership for credit cards lending),Philippines (credit cards cooperation and new products development) new products for anti-fraud (telco scoring, address verification), scoring, application of AGI (artificial generative intelligence) for areas of call compliance, voice bots for welcome calls, collections and telesales.Usage of new data sources from current bank accounts, skip tracing, GDPR restrictions and application for ASEAN, IFRS9 provisioning for Vietnam.Delivery on contract basis.

Subject matter expert for digital banking (risk, finance, payments, operations, compliance), from a new bank setup scenario to bank transformation into digital space and processes.Risk life cycle subject matter expert for retail and SME.

Director in risk area in one of the oldest consumer finance companies in China where the main responsibilities ranged from provisioning management, profitability calculations, ABS pricing and funding pricing and due diligence activities, regulatory reporting and analysis, forecasting and budgeting, risk analytics management and model risk management.Provisioning management which consists of group and local IFRS9 model for retail and non-retail portfolio, ICAAP methodology, liquidity risk management, stress testing for portfolio, and providing relevant analysis and forecasts to local management and group management.Regulatory reporting and analysis management where the main counterparties include CBIRC, PBOC and European bodies such as EBA, CNB (Czech National Bank) and relevant auditors from Europe and China. Member of ALCO and risk committee.Risk analytics agenda is focused on providing insight into portfolio, provide precise risk indicators and deliver forecasts and predictions about the portfolio quality and possible improvements. Direct report to CRO.

CRO for FinTech company as part of Vingroup, leading projects for electronic payment e-wallet, client score methodology and calculation (based on data from 20+ group companies), lending platform, AML and operational risk management (loyalty points, e-commerce and lending).Retail lending portfolio focused on own smartphones (VinSmart) sales network and own motorbikes and cars (VinFast) sales network. SME lending focused on supply chain lending, factoring for Vingroup suppliers and companies recommended by Vingroup members.Responsible for the whole risk team setup from a zero point, building teams in separate locations.Leading IT projects for transactional anti-fraud management, client score platform (private credit bureau), risk underwriting system, AML solution and risk datamart solution.

CRO and partner in FinTech company, leading all risk activities (underwriting, anti-fraud, security and collections) for loan portfolios in China, India and Indonesia. Responsible for online and offline product risk policies and strategies management, especially focusing on Fortune500, retail and SME client segments (including due diligence for investments). Data team leader for scoring and business models, data science, usage of OCR, face recognition and DWH development, external data sources management.Countries evaluation from ASEAN area (VN, BN, PH, MY, TH) for a new business unit setup.Providing risk advisory for cooperating companies in leasing and corporate banking industry in China, SOE companies (state owned enterprises).

As one of the first risk division employees in this FinTech startup which received license from CBIRC for operating business in China, with products including POS loan, cash loan, online cash loan and revolving credit lines. Currently number 2 in consumer lending in China.Leading all initial projects for underwriting, anti-fraud and collections area, processes, systems, data and analytics. In direct charge of risk underwriting unit, risk technology and innovation unit, data management and big data management unit, risk budget unit and operational risk unit. Responsible for the delivery of innovations such as own developed risk system, collections system, transactional anti-fraud management system, decision engine simulation tool, relationships graph usage in underwriting, big data usage in real-time underwriting, X-sell clients auto selection campaign management and limit increase management for revolving products.Setup and manage teams for risk data analytics and reporting, credit experts, collections experts, risk IT business analysis and project management, scorecards validation, FICO Blaze experts, data management and big data management for risk processes and scorecards variables development, operational risk experts for the whole company.Direct report to CRO.

Consumer finance startup project with focus on offline business product portfolio and focused on own client acquisitions (own sales network management) and x-sell products offering for banking clients. Preparing risk policies and process documents, participation in RFP documents evaluation for core consumer finance systems. Communication with selected system vendors.Writing BRD documents for loan origination system, loan management system, collections system and risk datamart. Credit bureau data analysis preparation for business initial go live.The project was shut down after 6 months due to change of bank business strategy.Direct report to CRO.

Execution and design of collections strategies for mortgage book and corporate loans (after Ireland economic crisis).Supporting the dialer strategies execution, call list preparation and campaigns reporting.Supporting senior management (board members, collections) in data analytics and reporting.Impact modeling of regulator changes (interest rate type changes) and collections scorecard development. KPIs definition and calculation for operators’ incentives for monthly bonus.Responsible for finance/collections datawarehouse project scope definition, data warehouse idea presentation to senior management for project approval and budget approval.First version/increment development team leader, training and tutoring future users of datawarehouse solution.

Designing approval processes and writing BRD documents for leasing, consumer finance and corporate banking products for clients from Europe, Africa and Asia markets. Designing collections processes and writing BRD documents for consumer finance and mortgage products.Delivering scorecards performance monitoring and review, anti-fraud rules and anti-fraud scorecard development. Generic approval process design and expert scorecard development for African and Asian markets.Presales activities support for sales unit for approval, collections, portfolio management software and credit bureau software in Europe, Africa and Asia.Delivered scorecards calibration for Ukraine and Kazakhstan credit bureaus.Data quality review delivery and data importing rules for Georgia credit bureau.Risk management consultancy and advisory in financial optimization of lending business for European, Asian and African banks and finance companies.

Acting as financial analyst when preparing flow rate and vintage models for portfolio monitoring, budgeting and capital requirements for retail segment, portfolio stress testing for GDP changes etc.Modeling and monitoring impairments and other financial indicators and sharing through monthly PQR.Proposing changes in underwriting process, automatic and manual decisions strategies. Data mining modeler (application scorecards development, client segments clustering).Leading a risk-based pricing project based on Markov chains theory.Data management, data acquisition and ETL development, preparing data for Basel II reports and central bank, new product development (consolidation).

Member of new treasury/finance system implementation team, leading one team for data migration (15 people).Business specification writing and verification for Wallstreet Suite (Finance Kit - Loan management) for financial areas such as cash flows setup, write-offs calculations, prepayments, equity evaluations, corporate loans pricing settings (margins, rating), workout plans and others.Migration management board member (Phase 1 finished). Training and leading future users of WSS.Project delivery on contract.

Teaching several classes in MS Office software, basic statistics, complementary activity to my studies.

Developer and analyst (ETL, workflow and data extracts) for DWH increments for universal bank, supporting production environment of DWH and analytical datamarts.Developing in Oracle database and relevant technologies.Projects content delivery varying from Basel II calculation algorithms, data inconsistency with CRM campaigns, client segmentation, new data source system integration and credit bureau data reporting.

Translating documents from English language to Czech language and vice versa. Translations of project, technical and programming documentation. Complementary activity to my studies.

Working as a banking clerk in CIB, GCB, GCIB unit, performing administration and audit of corporate and retail client accounts. Providing data analysis of accounts and cooperating with compliance and risk unit in regards of KYC and due diligence process. Participation in business requirements for core system replacement and translating documents for internal auditors. Leading one team for internal audit documentation preparation.

Working as a banking clerk in CIB, GCB, GCIB unit, performing administration and audit of corporate and retail client accounts. Providing data analysis of accounts and cooperating with compliance and risk unit in regards of KYC and due diligence process. Participation in business requirements for core system replacement and translating documents for internal auditors. Leading one team for internal audit documentation preparation.

Working as a banking clerk in CIB, GCB, GCIB unit, performing administration and audit of corporate and retail client accounts. Providing data analysis of accounts and cooperating with compliance and risk unit in regards of KYC and due diligence process. Participation in business requirements for core system replacement and translating documents for internal auditors. Leading one team for internal audit documentation preparation.

Working as a banking clerk in CIB, GCB, GCIB unit, performing administration and audit of corporate and retail client accounts. Providing data analysis of accounts and cooperating with compliance and risk unit in regards of KYC and due diligence process. Participation in business requirements for core system replacement and translating documents for internal auditors. Leading one team for internal audit documentation preparation.