Elpida Kanouta

Heading the Internal Control Department across all the Abu Dhabi Direct Sales Offices (300 Direct Sales Officers), ensuring that high standards of internal control are maintained while benefiting from all opportunities to improve efficiency of processes.
-Managing a team of 2 Governance Officers and 14 Sales Coordinators for Mashreq Abu Dhabi Direct Sales Team.
-Being responsible for designing and implementing sales processes to enable high level of service and profitability with a well balanced view on controls and efficiencies.
-Identifying risks and gaps in processes and proposing improvements.
-Provide support to Direct Sales team by maintaining efficient and secure processes.
-Ensuring audit recommendations are embedded into business as usual mode.
-Being responsible for the adherence and compliance to policies and code of conduct.
-Ensuring that fraudulent activities are detected and dealt with as per fraud guidelines.
-Being responsible for MIS, statistical analysis of data and benchmarking.

Heading the Internal Control Department across all the Abu Dhabi Direct Sales offices (300 Direct Sales Officers), ensuring that high standards of internal control are maintained while benefiting from all opportunities to improve efficiency of processes.

• Managing a team of 2 Governance Officers and 14 Sales Coordinators for Mashreq Abu Dhabi Direct Sales Team.
• Being responsible for designing and implementing sales processes to enable high level of service and profitability with a well balanced view on controls and efficiencies.
• Identifying risks and gaps in processes and proposing improvements.
• Provide support to Direct Sales team by maintaining efficient and secure processes.
• Ensuring audit recommendations are embedded into business as usual mode.
• Being responsible for the adherence and compliance to policies and code of conduct.
• Ensuring that fraudulent activities are detected and dealt with as per fraud guidelines.
• Being responsible for MIS, statistical analysis of data and benchmarking.

Reem Finance is one of the leading financial service providers in UAE and the Middle East

Key Responsibilities:
• Analyzing credit risk for the retail portfolio, undertaking MIS reporting across the entire retail portfolio, and assisting the management team in the enhancement of the credit and risk management policy in order to achieve profitable growth
• Underwriting all new accounts, and reviewing credit card and personal loan applications to advise on possible risks and risk mitigation strategies
• Analyzing internal and central bank data to advise on amendments of the credit risk policy by interpreting facts and figures
• Generating risk awareness across the organization and collaborating with the Sales department to ensure that targets are met without compromising on the organization’s risk appetite
• Advising the IT department on changes in the systems to ensure all relevant data is captured and analyzing in order to ensure proactive risk management and informed decision-making
• Developing processes and procedures, and undertaking internal risk based audit process to improve operational efficiency and processes

Fa-med is the Dutch market leader in medical factoring

Key Responsibilities
• Lead the credit and risk management teams (consisting of 5FTEs) as a member of the Board of Directors reported directly to the CEO
• Oversaw the development and execution of Fa-med`s risk management framework
• Analyzed, assessed, monitored and reported the credit risk of Fa-med’s new and existing customers (healthcare providers) as well as that of debtors (patients)
• Assured that informative decisions are taken on all fronts by interpreting figures and trends and translating them into action plans to ensure optimal balance between risk and return
• Defined and developed the underwriting strategy, modeling, policy and procedures for new customer acquisition whist delivering flawless execution and reporting
• Ensured that the right combination of product and price were being offered based on customer risk profile segmentation
• Assessed the risk profile of new customer segments to improve risk management, capabilities and practices
• Analyzed, monitored and reported customer and debtor risk and maintained customer relationships with the high risk accounts; developed collection strategy of the outstanding balances to improve customer and debtor relationship management practices
• Established a risk-based pricing strategy for new and existing customers to deliver profitable growth
• Engaged in business development activities, project management, process management and performance management; setup reporting systems and streamlined development, content and data quality of the Data Warehouse of Fa-med to ensure swift business growth and enhancement of organizational capabilities

American Express is an American multinational financial services corporation headquartered in New York, USA and with operations across the globe

Key Responsibilities:
• Set up and lead the Credit Risk Management in the Dutch market as a member of the Netherlands Management Team and reported directly to the General Director
• Developed and executed strategies to drive profitable growth in the Dutch market, while providing an outstanding customer experience
• Partnered with key teams in new product and service development, provided support for business growth and profitability and promoted adequate understanding of risk policies and decision making tools with business partners
• Ensured that best in class capabilities were deployed in the market and the solutions implemented are highly relevant in the local market place
• Monitored credit metrics and collection agencies performance; adjusted risk strategy accordingly for performance optimization
• Communicated and explained loss provision results/forecasts to business partners, developed and reviewed risk indicators, and created risk tools with business partners to nurture effective relationships
• Analyzed risk and developed related strategies for underwriting, and reviewed, maintained and developed policies, controls and models to drive seamless delivery of services
• Incorporated credit bureau data in models/policies to assess and rectify any variances
• Supported all marketing acquisition campaigns, new partnerships and new product development to ensure that risk profile of new customers/partnerships acquired matched with Amex risk appetite
• Developed and reviewed internal models and policies that assigned credit limits to customers based on their risk profile to ensure best in class service provision
• Reviewed point of sales disruption rates to ensure risk strategies enabled top customer spend and limited risky exposures
• Leveraged external credit bureau data in portfolio management by creating regular feed to Amex systems to ensure risky customers were being reviewed and authenticated (credit limit under ride, pay down & cancel) on time.

Capgemini is one of the world's foremost providers of consulting, technology, outsourcing services and local professional services

Designation Chronology:
March 2006 - January 2008: Credit Risk & Advanced Analysis Consultant
June 2005 - February 2006: Intern

Key Responsibilities:
• Lead a wide spectrum of credit risk management and fraud detection projects in several leading banks in the Netherlands and Germany
• Conducted data analysis, model development, validation, back-testing and reporting to improve credit risk management practices and processes in SNS Property Finance and ABN AMRO Mortgage Group