جينتجان زوتاج

Offering business consulting internationally mainly in Risk Management
Achievements:
• UNICREDIT Italy - Managing transition of Small and Medium Enterprises (SME) delinquent portfolio from business to risk department
• SBER BANK Europe - Implementation of risk collection management process, with estimated yearly impact of 1.1 million EUR for SBER BANK Croatia
• SBER BANK Europe - Creation of KPI system for an SBER BANK Europe operating in 8 countries.
• RAIFFEISEN BANK - Creation of a financial and risk reporting Data Marts and tools to monitor risk performance

Projects highlights:
• UNICREDIT - SME Collection Management: project focused on identifying SME target group and building management process for mass collection approach.
• SBER BANK Europe - KPIs and Reporting: Setting a standardized set of KPIs for SBER BANK EUROPE operating in 8 countries.
• SBER BANK Europe - Recovery Maximization: project focused on setting collection tools to increase recovery for SBER BANK CROATIA.
• RAIFFEISEN BANK - Non Performing Loans (NPL) Management: project focused on creating monitoring systems and tools by providing insights on bank segments profitability.

develop the support foundations for intelligent business decisions by building customer analytics and quantitative drivers to improve customer and retail segment profitability.

Achievements
• Developed customer strategy.
• Identifying the best groups to focus CRM activity
• Tripled the number of CRM campaigns from an average of 3 per month to 9 (directly related to profit)

Projects highlights:
• aCRM was a project aiming implementation of smart targeting through analytics.

develop the support foundations for intelligent business decisions by building customer analytic and quantitative drivers to improve customer and retail segment profitability.

Achievements
• Developed customer strategy.
• Identifying the best groups to focus CRM activity
• Tripled the number of CRM campaigns from an average of 3 per month to 9 (directly related to profit)

Projects highlights:
• aCRM was a project aiming implementation of smart targeting through analytics.

- Develop and implement Retail Collection Strategy (early, late & recovery) statistically based for 120.000 customers
- Develop Collection Model. Correlation of Collection department work in bank profit
- Coordinating shifts based on Prime Time (best collection time)
- Portfolio Management - identifying the delinquency reasons by applying statistical models, and following up for improvements. Used Vintage, Rolling Matrix, and Forecast etc analysis.
- Coordinating and monitoring Collection and Legal Departments

I was engaged as a supervisor in a six month project as an outside collaborator in curing Vodafone Image