in charge of Risk management in consumer finance company

risk analysis & underwriting of corporate clients ' needs for lending, hedging and trade finance

Credit risk policies, processes and systems for non-retail clients

Manager in EY Financial Services Advisory Team with focus on credit risk management.Advisory in risk related projects focused on process improvements, prudential regulation, credit risk modelling and corporate governance

Responsibility for entire Risk & Collection & Security part of new consumer finance project to ensure smooth and risk-controlled launch of regular business across China starting April 2016

- Complete responsibility for country credit risk management, collection activities and Security- Budgeting & capacity/staffing planning and regular reporting on portfolio quality to regulator and group - Participation in new product development and future strategies/priorities setting- Dealing with shareholders, local authorities and business partners - Decision making in Member Council

- Complete responsibility for Commercial Underwriting Department (staffing, competence, knowledge sharing, decision consistency and efficiency/productivity management of the team - 20+ people)- Decision making within personal approval limits or advice to exposures exceeding personal authority- Monitoring of commercial credit portfolio (delinquency, risk profile,..) and taking measures to fix potential negative deviations - Participation in credit processes & products adjustments and development- Support of Sales Force in structuring of complex deals, in cluding possible participation in meetings with clients

• Management of centralised mortgage underwriting & loan documentation department (40+ people)• Decision making within personal approval limits or advice to exposures exceeding personal authority• Participation in credit processes & products adjustments and development

• Financial analyses of commercial clients and advice for decision-making body

• Credit scoring analyst (up to 2001) – construction of credit scoring models for bussines loans in cooperation with statisticians, definition of new portfolio classification model based on credit scoring / rating. Project of client’s financial statements database.• Head of credit methodology department (up to 2000) - identical activity as credit methodist and moreover management of others specialized methodist in the department (bank guarantee, ...)• Credit methodist (up to 1999) - building of new credit process based on credit scoring, definition of rating methods for assessment of borrowers, definition of credit approval system, monitoring of credit process• HQ credit analyst (up to 1997) – large credit application assessment• Branch credit analyst (up to 1995) – credit application assessment