Deputy Md - Credit Risk Management | Head Of Retail Credit Risk
CurrentCredit Decision-Making & Risk Management+ Oversaw credit decision-making processes for 700 proposals as Head of Retail Credit Risk Management.--» Result: achieved yearly 10% growth in new loan disbursement totaling HUF 10 B.+ Introduced a new, structured dashboard for prospect proposals, leading to a 25% reduction in turnaround time and facilitating faster credit decision-making.+ Identifying and addressing gaps in credit risk policy and minimizing expected losses, prioritizing both owner interests and achieving business objectives.Team Leadership+ Established credit risk scoring system in collaboration with Marketing, Legal, Credit Risk and IT teams during the launch of the credit card.+ Taking responsibilities of the Managing Director in his absence, overseeing corporate credit decisions, HR-related approvals, and representing CRM at management meetings.+ Drove recruitment and onboarding processes and expanded retail credit analyst team headcount from 1 to 4.--» Result: Successfully reduced fluctuation from 20% to 0% — exceeding organizational standards.+ Won the ‘Colleague of the Year’ award after being nominated by team members and new manager.+ Conducted training sessions for 20 colleagues in the Retail Sales and Credit Risk Department.--» Result: achieved a decrease from 53% to 37% in the ratio of credit applications sent back for correction within one year.Regulatory Compliance & Policy Management+ Validated collateral evaluations and coordinated quarterly monitoring conducted by Garantiqa.+ Completed the Debtor rating policy, integrating equity-related covenants derived from the Civil Code.+ Conducted thorough due diligence on loan applications, and identified non-compliant financial transactions in collaboration with Compliance team.
