- Responsible for the risk management of $2.5 billion receivable and supply chain portfolios.- Oversaw the financial assessments, stress tests and risk mitigation strategies for B2B (wholesale) customers and suppliers.- Successfully maintained the loss of EMEA receivable portfolio below 1%.- Co-owned EMEA cash flow forecasting and managed receivable SOX controls.

- Responsible for $1.5 billion EMEA receivable portfolio and its counterparty credit risk with a team of 7.- Led the revision of Global Credit & Risk strategies, policies and tools.- Liased with Commercial Finance Team on mutual profitability analysis to point optimal trade discounts.- Coordinated payment term negotiations with Commercial Finance Team to optimize working capital.

- Responsible for developing financial models and streamlining processes to centralize Credit Risk Team at EMEA HQ.- Analyzed B2B (wholesale) customers' financials. Assigned appropriate risk ratings and credit limits.- Led Asia-Pacific Region's credit risk centralization in Singapore with a team of 3.- Performed a stretch assignment with E-commerce Financial Planning Team to enhance margin analysis and KPI reports.

- Responsible for credit risk reporting and lending-related IFRS disclosures.- Updated credit risk policy in alignment with regulatory requirements and changes in risk appetite.- Conducted loan loss provisioning utilizing the "Expected Loss" methodology.- Developed the NPL & forbearance process. Implemented a corresponding module in the ERP system.

-Responsible for operational and credit risk audits of branches. +30 branch audits across Turkey.-Evaluated corporate and retail loan portfolios to ensure compliance with regulation and internal policies.-Audited lending processes and daily banking transactions as part of operational risk assessments.