Markus Barkhoff Email & Phone Number

Potsdam, Brandenburg, Germany

• Leading Credit Operations
• Leading Holvi's Credit Risk Analyst team, setting goals, managing workloads, and handling escalations to ensure a strong credit culture. Acting as the escalation point for complex cases, providing feedback and.
• Designing policies, processes and procedures that align with internal and regulatory standards, covering all aspects of the credit lifecycle. Overseeing compliance, KPIs, and SLAs, while continuously refining.
• Creating underwriting strategies covering affordability, defaults, and collections, and managing risk across acquisition, fraud, and collections stages. Conducting portfolio monitoring and managing both in-house and.
• Acting as Business Owner for credit bureau and debt collection partners. Participating in bank-wide projects and advising cross-functional teams on risk-related initiatives.Process Automation and Technology Integration
• Taktile Integration: Leading Taktile integration to automate credit underwriting, enhancing decision-making and risk management efficiency.

Potsdam, Brandenburg, Germany

• Designed and visualised end-to-end processes for all credit products (Business Process Model and Notation).
• Continuously developed and improved credit product-related business processes.
• Documented processes using Confluence, LucidChart, and diagrams, ensuring continuous updates.
• Identified opportunities for process improvement focusing on efficiency, effectiveness, and potential for digitalisation.
• Analysed needs and opportunities for business process automation and optimisation, both technically and conceptually, and implemented solutions using JavaScript, SQL, Google Sheets/Google Script, AppleScript, and JIRA.
• Facilitated and supported cooperation among different teams involved in credit product creation and operations.

Berlin, Germany

• Worked on third-party requests in the German market, including seizures, insolvencies, police requests, BAFIN requests, bank inquiries, and p-accounts (Pfändungsschutzkonten), as well as SEPA payment recalls and.
• Wrote SQL-queries to gather information and visualised the data output in Looker to improve decision-making.
• Analysed the processes and workflows of the Anti-Money Laundering, Onboarding, Customer Support, and 3rd Party Requests teams, and wrote JavaScript code to (semi-) automate these workflows (RDA).
• Categorised and documented processes in Confluence for the 3rd Party Requests department.
• Participated in several projects using JIRA Kanban boards.

Dundalk, Ireland + Berlin, Germany

• Assessed credit and fraud risk involved in a merchant’s business model according to PayPal Acceptable Use Policy, Federal and State Regulatory Compliance, Credit Card Compliance, and further legal requirements.
• Interpreted and analysed credit bureau reports, financial statements (Profit & Loss, Balance Sheets), merchant processing statements, background investigations, as well as bank and trade references.
• Wrote queries in SQL (Teradata) to optimise the above process and to prevent fraud by analysing transaction, turnover, and return behaviours of customers.
• Mitigated potential risk after completing a risk exposure calculation by placing reserves or applying further measures depending on the collateral requirements and communicated the decision to merchants.
• Provided personal sign-off.
• Edited the department’s internal newsletter.

Dundalk, Ireland

• Was a member of the initial PayPal Credit team for the UK and Germany.
• Processed credit-related fraud cases, disputes, and claims.
• Handled customer inquiries regarding PayPal Credit.
• Tested new systems and business processes for PayPal Credit.
• Worked closely with key stakeholders on customer experience and product offering, considering the financial and regulatory risks.
• Mentored and coached new hires.Special Projects

Dundalk, Ireland

• Investigated potential Acceptable Use Policy (AUP) violations.
• Assessed merchants’ financials and transaction flows, account activity on PayPal, as well as their activity on associated websites and eBay.
• Communicated decisions to merchants, providing feedback and necessary education.
• Ensured compliance with regulatory requirements, including the MasterCard BRAM program (Business Risk Assessment & Mitigation) and the VISA Global Brand Protection Program (GBPP).
• Monitored procedures and requested modifications to policies and workflows.
• Mentored new hires.

United Kingdom

• Ran operative business and acquired new customers
• Built company website based on TYPO 3

Bremen Area, Germany

• Translated project „General Recruitment Strategy for European Inland Waterway Transportation Companies“ into English and pitched it successfully to the committee of the German Ministry of Transportation
• Assisted in the in the product development of „Social Media Management for Employers“
• Administered logistic companies’ websites with CMS of TYPO 3

Bremen Area, Germany

• Ran operative business of the hotel group
• Lead and motivated 50 employees
• Enhanced offers of the hotel group and optimized work flows

Bremen Area, Germany

• Account Management on the market place of www.bremen.de
• Wrote and edited web content
• Edited images with Adobe Photoshop and GIMP
• Presented the integration of the adult education segment of www.bremen.de on the „Bremer Lernmesse“ (education fair of Bremen) in 2007 and 2008

Bremen Area, Germany

• Assisted in different projects of the chair
• Assisted in organizing the entrepreneur days in Bremen 2005/06

Germany

• Assisted National Director of Caudalie Germany (office work, French calls)
• Customer Service including processing orders and advertising products