Charitini Tsiakoulia

Experience

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  Citigroup PLC Portugal

  Sept 2003 - Nov 2009

  Scoring models and Analytics• Measured the probability of default of new and existing customers.• Built Profit & Loss model considering risk indicators so that the business takes more profitable decisions.• Developed and implemented a Recovery Scorecard with a recovery rate up to 20%.Credit Risk & Collections Management Information (MIS)• Managed the development of overall Credit MIS needs, permitting close monitoring of the portfolio evolution.• Directed the development of Collections MIS, leading to better collection actions and results for the business.Credit & System Project Manager• Project manager for all credit and collections related system projects leading to faster and easier enrolment of credit rules and decisions.Credit bureau • Led project for credit bureau information usage with estimated cost of credit reduction of €1.6MM and a return on investment of 800%. • Implemented a Bureau Scorecard, enhanced policies, strategies and created bureau related analytics. Show less Single-handedly responsible for major tools for credit cards and loans credit risk management, including:Scoring & Credit analysis• Directed Cards, Consumer Loans and Bureau Scorecards implementation.• Key player on FICO acquisition decision system project definition and implementation.• Participated in the EMEA score conference as the representative of Citibank Greece.• Established Collection strategies and models based on score indicators.Credit Bureau (TIRESIAS) and Credit Risk projects• Implemented project for credit bureau information usage, with estimated revenue for the business of €23MM.• Credit project manager for Loans acquisition system.• Main interface for Tiresias communication, member of their committees, managed Tiresias reporting.Management Information (MIS) and reporting analysis• Executed monthly regional and global reporting.• Developed risk and portfolio measurement MIS (policy, benchmark, segmentation, vintage). Show less

  • Risk Utilities Head

    Mar 2008 - Nov 2009

  • Scoring and Analytics Manager

    Sept 2003 - Mar 2008
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  Barclays Bank PLC Portugal

  Dec 2009 - Apr 2010

  Risk Policy and Analytics Manager

  Barclays business acquired Citibank business in Portugal. Assuming the same responsibilities for all products of the bank (cards, loans, mortgages, SME) and managing the same team as in Citibank.

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  National Bank of Greece

  May 2010 - Mar 2017

  • Responsible for the development, validation and monitoring of Greek consumer risk assessment models such as application, behavioural, collections, credit bureau models • Owner of the policies and processes of consumer risk models for NBG Greece• Oversee consumer risk models, processes and policies of the foreign subsidiaries of NBG Group and main interface with the countries for any relevant subject• Direct projects related to risk models and ensure their implementation in the existing systems • In charge of TRIAD strategy decision engine system and its enhancement and utilization• Overall vendor management with model providers for NBG Greece and Group Show less Collection International• Supervised and ensured the correct functionality of the collections department of NBG SEE businesses concerning consumer, mortgages and small business loans portfolios• Provided guidelines for policy, models, budget, forecast, vendor management, MIS, controls and systems Collection Strategies• Validated the collection segmentations for early and late delinquent consumer portfolio strategies• Ensured the correct usage of the behaviour and customer score in benefit of collections • Managed and monitored TRIAD collection decision engine system Show less

  • Executive Associate - Risk Control & Architecture , Retail Modelling

    Sept 2014 - Mar 2017

  • Executive Associate-International Collection division and Collection Strategy Systems

    May 2010 - Aug 2014
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  Statistical Decisions

  Aug 2017 - Sept 2017

  Consultant, limited time contracted

  • Formation of curves that are used to improve risk assessment models like LGD, LGL (part of IFRS 9 project)• Creation of reports that demonstrate the significance and the accuracy of use of risk models

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  Hellas Capital Leasing S.A.

  Nov 2018 - now

  Head of Risk & Permanent Controls