Senior Financial Services and Risk Management Professional

Conducting nationwide high-quality feasibility studies across various sectors, developing advanced risk assessment models, and providing strategic management and planning for investment decisions.
Successfully conduct nationwide high-quality feasibility studies across a broad range of sectors, including real estate, infrastructure, telecommunications, and renewable energy in various international locations, significantly contributing to well-informed investment decisions. Instrumental in enhancing the efficiency and quality of recruitment processes, thus streamlining talent acquisition efforts. Play a key role in the development of advanced risk assessment models used in financial analysis, improving the depth and accuracy of project evaluations.

• Strategic Management and Planning:

• Develop and implement strategic plans, programs, and policies to achieve organizational goals and standards;
• Actively lead strategic and comprehensive financial planning to ensure the company's sustainable growth;
• Provide expert advice and counsel to the CEO on a wide range of matters related to finance, administration, strategies, policies, and legislation, ensuring well-informed decision-making and effective organizational leadership;
• Ensure compliance with applicable laws, regulations, and industry standards;

• Leadership and Team Management:

• Manage, control, and coordinated the financial, administrative, and human resources of the department;
• Lead and guide subordinate employees and consultants in project activities, defining tasks and criteria for success;
• Oversee the selection, training, and performance of department staff.

• Project Feasibility Studies:

• Perform thorough feasibility studies for a wide range of project types, including port with intermodal rail terminals, telecommunication expansion, water digitalization, hotels, solar farms, recreational vehicle parks, gas stations, gas docks, retail, sport facilities, agribusiness, ambulatory centers, and factories. These comprehensive studies are essential in providing project-specific risk reports to government agencies, banks, investors, lenders and project owners;
• Ensure the quality and timely completion of projects within my department;
• Critically prepare, analyze, and optimize Request for Quotations (RFQ) and Request for Proposals (RFP) for feasibility studies;
• Analyze and interpret financial data to prepare forecasts for clients;
• Evaluate project viability through economic, market, technical, financial, and management feasibility assessments, spanning projects in the United States and various international locations. These assessments are crucial components of commercial mortgage loan underwriting;
• Charge thorough economic and market analyses to meticulously evaluate project feasibility, taking into account various critical variables, including market trends, demand fluctuations, and competitive dynamics;
• Perform detailed technical and financial analyses, including pro forma projections, NPV (Net Present Value), IRR (Internal Rate of Return), MIRR (Modified Internal Rate of Return), ROE (Return on Equity), Debt Service Coverage Ratio analysis, sensitivity analysis, and risk assessments;
• Proficiently employ advanced financial analysis techniques, leveraging Discounted Cash Flow (DCF) analysis and Monte Carlo Simulations to thoroughly assess and mitigate complex financial risks.

• Recruitment and HR Management:

• Exclusively oversее full-cycle recruitment processes, including sourcing, screening, interviewing, negotiating, and hiring;
• Utilize LinkedIn recruiter profiles and define recruitment tools;
• Organize recruitment priorities based on project requirements, ensuring efficient allocation of resources, and reported activities to management;
• Engage in legal services, including the preparation of labor contracts, letters of commitment, and handling employee termination processes.

• Additional Responsibilities:

Supervisor in Occupational Health and Safety - Manage and ensure compliance with occupational health and safety standards and regulations.

Managed substantial datasets, conducted in-depth data analysis, and developed internal rating models for credit risk assessment. Led the development of new functionality for software ceding of loan portfolios.
As a seasoned professional with expertise in financial planning and analysis, I conducted data mining to produce vital reports. In my role, I managed substantial datasets and excelled at generating diverse analyses and reports to serve multiple stakeholders.
Part of my responsibilities included the preparation of financial data. I had taken ownership of key data-driven responsibilities, including the preparation and delivery of basic financial metrics.  This encompassed crafting monthly Key Performance Indicators (KPIs), monthly vintage reports for lending institutions, and conducting detailed loan portfolio aging analyses. I also compiled comprehensive quarterly reports for regulatory authorities such as the Bulgarian National Bank and the Financial Supervision Commission.
I actively managed an array of ongoing and ad-hoc data initiatives, often involving extensive datasets and complex Excel models. I used mySQL for data extraction and Access for database management, data analysis, calculations, and report generation. I extracted critical data related to impairment analysis, loan provision assessments, and other accounting data related to the loan portfolio.
One of my significant responsibilities was conducting in-depth data analysis to develop, monitor, and validate internal rating models. These models were instrumental in assessing factors such as Probability of Default (PD), Exposure at Default (EAD), and Loss Given Default (LGD). This process contributed to the continuous assessment of the credit portfolio's quality and the development and implementation of methodological and calculation frameworks for credit risk capital requirement assessments.
I played a fundamental role in ensuring compliance with high-tech and reporting requirements, as well as data quality standards, by supporting the maintenance of an extensive credit risk database. Additionally, I prepared regulatory and managerial reports and undertook various tests, simulations, and analyses to evaluate methodological, reporting, and regulatory framework changes, internal risk model roll-outs, and business requirements.
One of my strengths was projecting credit risk capital requirements under different scenarios and assumptions. I delved deep into data and results, allowing me to analyze and explain dynamics, thereby contributing to the enhancement of data management, risk calculation, and reporting frameworks.
Part of my responsibilities included comprehensive analysis of the loan portfolio. This analysis was important for determining the approach to collecting overdue receivables and target groups for marketing campaigns. I participated in the creation of the ceding portfolio and the realization of multiple cessions. I interacted with assignee companies to collect financial and operational data needed for the analysis and risk evaluation of the sold loan portfolio. In this role, I also created annexes of the contracts for the transfer of receivables with loan details.
I was proficient in writing SQL queries for regular data reporting, metrics, and risk analysis. This was crucial to support different departments of the company, including Finance, Accounting, Law, Internal Security, Payments, Loan Department, and Sales. My expertise extended to developing and analyzing data sets, generating useful conclusions, and providing business insights and actionable recommendations. I collected, organized, and monitored a significant amount of information and created financial models for decision support for management, company owners, and potential investors.
Throughout my role, I had created and maintained data models, financial projections, and reports. I had also tackled various challenges related to growing data requirements. During financial audits, I supported auditors by providing specific financial data sets and covering their requirements.
I had significantly contributed to the improvement of the company's risk policy and financial status. This was achieved by analyzing results, monitoring variances, identifying trends, making conclusions based on findings, and recommending actions to the company's cash and risk management using data and financial models.
My regular interactions with the finance director and chief accountant were focused on obtaining financial and operational data for analysis and publications. I support them by extracting, synthesizing, analyzing, and interpreting various financial data sets. This involved performing financial statement analysis, adjusting reported data per relevant methodology requirements, and reviewing and analyzing ratios.
A major focus of my work had been the collection and evaluation of data linked to inherent risks in business branches for non-performing loans. I excelled in effectively translating technical and financial information into business terms for communication to stakeholders across the company.
My comprehensive approach to financial planning and data analysis provided a solid foundation for informed decision-making and strategic financial management.
Key projects:

• Led the development of new functionality for software ceding of the sold loan portfolio, streamlining the loan management process and enhancing efficiency, while ensuring adherence to accounting principles.

Coordinated all phases and actively contributed to a comprehensive project to update core loan origination software for Credihelp and MoneyPlus brands, ensuring successful implementation and improved software functionality.

Played a pivotal role in optimizing credit card management, payments, and loans systems. Responsible for requirements gathering, project planning, and process optimization.
I played a pivotal role in ensuring the seamless operation and optimization of various systems and processes within the credit card management, payments, and loans domains. My key responsibilities and accomplishments include:

• System Requirements: I identified and documented system requirements, facilitating productive discussions with both managers and users to align technological solutions with the organization's goals.
• Project Planning and Execution: I meticulously undertook the comprehensive planning, procurement, and execution of projects, encompassing various aspects of the credit card management system, payments, and loans domains. This involved close collaboration with project teams and vendors to deliver innovative solutions that were not only aligned with but also strategically advanced our business objectives.
• Business/Functional Requirements: I meticulously prepared detailed business and functional requirements, providing a clear roadmap for the development of software solutions. These requirements formed the basis for comprehensive specifications.
• Process Optimization: I was actively involved in process design and validation, ensuring that software solutions were optimized for enhanced efficiency. This entailed creating specifications, diagrams, and charts to guide programmers in their work.
• I generated technical and process documentation, ensuring it served as a comprehensive reference point for both technical experts and non-technical stakeholders. This documentation played a pivotal role in fostering clear communication and understanding across the spectrum of project participants.
• Collaboration and Cross-Functional Synergy: I excelled in fostering collaborative efforts with cross-functional IT teams and developers. Through effective communication and a spirit of cooperation, we collectively worked towards and successfully achieved our project objectives. This collaborative approach significantly enhanced the overall efficiency of our endeavors.
• Quality Assurance: I conducted rigorous testing and validation of changes, working closely with programmers to identify and rectify errors, ensuring software integrity.
• Communication and Negotiation: I managed the communication flow and negotiation with various business units, ensuring that actions were well-coordinated and aligned with organizational goals.
• Procedures and Reporting: I developed and implemented procedures, offering guidance to staff for efficient operations. This also involved the preparation of reports to track progress.
• Incident and Change Management Excellence: I took charge of efficiently managing the second level of software system support, addressing incidents promptly and overseeing the intricacies of change management processes. My dedication to this area contributed significantly to the overall stability and effectiveness of our software systems.

Some of the notable projects I spearheaded or coordinated include:

• ANAF Interface: I successfully orchestrated the creation of a web services interface between the ANAF (National Tax Office of Romania) database and AXI, transitioning from manual applicant credential checks to an automated data exchange system, optimizing data accuracy and operational efficiency.
• EasyPay Integration: I played a key role in establishing an interface through web services between EasyPay/E-pay (Payment operator) and Access Finance, facilitating the acceptance of customer repayments.
• Integration in Poland: I led the integration efforts with a bank and a credit bureau in Poland, forging valuable partnerships with them, resulting in an increase in effectiveness, extended functionalities, and expanded capabilities.

My contributions as a Senior Software Business Analyst have been instrumental in optimizing systems, streamlining operations, and supporting the development of innovative software solutions that align with business goals.