Netherlands
I am a Risk Transformation Leader with 15+ years of international experience modernizing credit decision ecosystems and enabling sustainable portfolio growth across fintech and digital lending environments. My focus is on turning traditional credit functions into scalable, automated, data-driven decision architectures that support both growth and disciplined risk management. I have led transformation initiatives across Europe, Africa, and Eurasia, working with portfolios of up to €2B and managing cross-functional analytics teams in complex, multi-market settings. I combine strategic architecture with strong analytical depth. My work spans credit decision automation (up to 90%), machine learning scorecards, alternative data integration (telco, mobile wallet), and decision engine optimization (Experian PowerCurve, SQL-based frameworks, Python). I operate at the intersection of business growth, analytics, and governance — aligning risk appetite, technology, and commercial strategy to deliver measurable, risk-adjusted profitability. Interested in global opportunities in risk transformation, fintech, and digital lending leadership.
Leading credit decision process modernization and strengthening second line oversight in UK, Ireland and LATAM Achievements: • Built automated credit decision framework in Ireland from greenfield stage, increasing automation from 0% to over 60% • Optimized mature UK decision engine across €2B portfolio, enhancing automation by 10 pp while preserving portfolio quality • Strengthened Second Line of Defense oversight through portfolio monitoring and process efficiency diagnostics
• Represented shareholders’ interests in strategic and financial decision-making • Participated in approval of annual budgets, financial plans, and long-term strategy • Partnered with the CEO on new product launches and revenue expansion strategy • Provided strategic oversight to support sustainable growth and value creation
Led end-to-end transformation of credit decision frameworks across multiple markets, integrating advanced scoring methodologies and alternative data sources Achievements: • Transformed credit decision architecture of a leading Georgian agrifinance lender, enabling sustainable portfolio growth through cost reduction and improved NPL control; implemented blended scorecard leveraging agricultural production data from rural households • Architected mobile lending, device financing, and SME credit decision frameworks for a leading African telco-backed lender, integrating telco, mobile wallet, and bureau data • Led design and commercialization of a new credit scoring SaaS solution at Credit Bureau Lithuania, with projected revenue exceeding €1M over five years • Led development and implementation of ML-based scorecards and decision trees integrating traditional bureau and alternative mobile data for microfinance lenders across Eastern Europe and Africa
Responsible for customer verification, loan underwriting and fraud prevention strategies