Serkan Saraçoğlu Email & Phone Number

Istanbul, Turkey

 Co-Creator of the Zip Turkey project Established end-to-end Credit Risk infrastructure including systematic & corporate elements Creator of the fully automated Zip Decision System:x Turkey's fastest application flow, x Tailor-made policy rules, x 100% automated decisioning, x Highest approval rates crowned by the lowest default ratio in the sector. Managed the full cycle of a loan: x Underwriting & Portfolio Management, x Limit Assignment & Top-up, x Collections & Legal Follow-up,x Fraud Prevention & OCR Video KYC. Managed KKB & RM relations, including reporting and new product developments. Set-up Experian Powercurve lending system, feeding from an SQL based data warehouse. Highly proficient in data analysis, as a result from a strong background in banking and especially in the financing sector.

Headquarter, Istanbul

 Set up of retail credit lending policies, development of strategies over the decision system, conduct of retail products and acquisition cycles. Restructured lending mechanism for all reactive origination flows and proactive CRM flows after a massive change of the core banking infrastructure. Lead the team for SMG3 to PowerCurve transition process. Structured limit assignment models, created lending flows through digital channels, launched and optimized auto approve functionality. Worked closely with MENA region and engaged with global teams for the development of several studies including Income Estimation Model, Automated Card Limit Increase model and Pre-Approved Loan strategy.

Toyota, Istanbul

 Implementation and modification of ALJ Automatic Loan Decision System and ALJ Collection SM. Building and validation of Data Dictionary, structuring decision trees, policies and scorecards over SM and integrating it with the main operating system. Developing credit policies, applying them over NBSM and controlling the validity of the modifications through user acceptance tests. Preparation of detailed portfolio studies, country reports and benchmark analyses. Data mining, predictive studies and performance evaluation analyses of Toyota dealers. Optimization of operational cycles for application and collection processes.

Holding Hq

Headquarter

Headquarter

Maya Center