Organization of the department's work in the following areas:

• analysis of risk indicators and participation in the development of a consumer lending strategy;
• ensuring the process of accreditation of partners;
• writing and updating methodological documents of Risk management of consumer lending;
• control over the implementation of the rules of the Credit Policy;
• preparation of reports and presentations.

Responsibilities:

• outsourcing collection process management of unsecured portfolios (full process of work collection companies: development of business strategy, conducting of tenders, KPI performing, analysis of operational work, quality control, reporting, methodology);
• NPL portfolios sale (planning, NPL portfolio analysis, formation of portfolios for sale, organization of tenders, internal approvals, execution of the deals, after-sales support).

Achievements:

• an efficient process of outsourcing collection unsecured NPL portfolio has been built due to transparent selection of the best companies on the market, effective motivation and high performance;
• a system of monthly sales of NPL portfolios has been built demonstrating of the high financial results due to transparency and fair competition.

Responsibilities:

• preparation of technical tasks for IT-Department (development of software and reporting);
• development and implantation of methodological instructions;
  
• development and support of operations analytical system;
• assessment of portfolios for purchasing (forecast of debt repayment, calculation of financial model).

Achievements:

• the technical tasks for IT (legal collection CRM) was developed;
• a number of inner instructions for front units was developed and implemented;
  
• an automatic system of portfolio reporting was developed and implemented (DWH);
• the process of loan portfolio evaluation was set up (cluster and statistical method).

Responsibilities:

• development of technical tasks for IT to automatize processes of debt collection (CRM);
• methodological development of processes;
• reporting of results of work with NPL portfolio;
• organisation of seminars for employees of the Special Assets Department;
  
• organization of the process of cooperation with debt collection companies;
  
• sale of NPL portfolios.

Achievements:

• CRM-application was developed;
• a collection methodological base was developed from scratch;
• a new system of reporting of Collection Department was implemented;
• the process of cooperation with debt collection companies was organized from scratch;
  
• a sale transaction of problem portfolio (2000 credits) to the collection company was organized;
• a certificate of «SEB trainer» was received and a number of educational seminars were held for the staff of the Department.

Responsibility:

• organization of the NPL portfolios purchase process.

Achievements

• two deals of purchase NPL portfolios were closed.

Responsibilities:

• restructuring of problem debts;
• analysis of reasons of late payments.

Achievements:

• the process of restructuring was organized.

Responsibilities:

• supervision of Collection Department's work on SME;
• reporting to the NPL committee;
• direct work with TOP debtors.

Achievements:

• implementation of control system and reporting of NPL SME portfolio;
• analysis and segmentation of problem credits, organization of work on debt recovery in each segment;
• handling pre-legal work with TOP debtors.

Responsibilities:

• organization of collection process (consumer loans and legal entities) at all stages - from the moment of delay in payment till enforced collection through Stare executive service;
• tracking down fraud and its management;
  
• work supervision of related units in branch offices;
• analysis of NPL portfolio, recommendations for lending;
• reporting about KPI performing to the Credit committee;
• development of methodological procedures;
• organization of work with the Bureau of credit histories.

Achievements:

• built process of work with NPL portfolio at all stages (Soft, Hard, Legal) in Kyiv, Mykolaiv and Kharkiv from scratch;
• an effective cooperation with the International Bureau of credit histories was organized;
• participation in development of lending scoring model.
• a new method of verification was developed and implemented that helped to minimize the number of fraudulent loans.
  

Responsibilities:

• lending processing;
• analysis of credit portfolio;
• creation of provisions;
• work organization with debtors at prejudicial and judicial stage.

Achievements:

• a system of control and work with overdue loans at Soft and Legal stage was built (Kyiv).

Responsibilities:

• network expansion of loan offices in «Foxtrot» stores;
• organizing the process of unsecured loans granting for durable products.

Achievements:

• a permanent process of unsecured loans granting for durable products was organized in Kyiv;
• representative offices were set up and the process of loan granting was organized from scratch in Cherkassy and Kryvyi Rig.

Responsibilities:

Consulting clients, preparing documents for obtaining a credit, receiving payments.

Achievements: