Tomas Kolek

a. Finding solutions to reduce credit losses; b. Prepare the action list and making of execution and follow-up;

• Took responsibility for financing and insurance agenda in 4 markets • Led a team of 5 direct reports. • Took responsibility of management of financing and insurance as well as managed a business development projects

• Took responsibility for the management of Decision Analytics team. • Leading a team of 3 direct reports; managing a credit cards portfolio of 5.4 million. • Managed business-critical projects related to extension of cooperation with existing partners, acquisition of new partners and new processes (verification of customer’s affordability, usage of social network data)

- Took responsibility for the management of customer service, collections and fraud prevention. - Led a team of 6 direct reports; managed a loans and leasing portfolio of EUR M 450 - Managed a business-critical project to update business strategy for 2016-2020. - Gained a multi-dimensional view of the Deutsche Leasing business in the Czech Republic and Slovakia.

• Took responsibility for the management of credit risk, collections and fraud prevention. • Led a team of 3 direct reports and 100 employees; managed a loans portfolio of EUR M 50 • Managed a business-critical project to update business strategy for Q4 2014 and 2015. • Gained a multi-dimensional view of the MiG credit business in the Russian Federation. • Identified a number of strategic opportunities for business growth in a competitive market.

• Took full responsibility for the management of credit risk, collections and fraud prevention. • Led a team of 3 direct reports and 150 staff based in the Czech Republic and in Slovakia. • Managed a personal loans portfolio of £162 million. • Played a key role in developing the business strategy with a focus on risk, collections and fraud. • Negotiated with local regulators to ensure compliance and improve the company reputation.

• Established the risk, collections and fraud prevention functions in Kazakhstan from scratch. • Recruited developed local staff to create an effective risk and operations team of 300 staff. • Managed a portfolio of cash loans, retail sales finance and credit cards loans of $100 million. • Defined the organisational structure; planned the resource requirements to meet objectives. • Developed a customised credit scoring model to reflect the local market and consumer behaviour.

• Held a number of increasingly responsible roles over of a period of 7 year with GE Money. • Oversaw the management of a large portfolio of mortgage loans of $3 Billion in France • Carried out an in-depth analysis of the profitability of mortgage products offered on the market. • Reviewed and updated the credit scoring model and the existing credit risk policies. • Made credit decisions on a case-by-case basis within delegated credit authorities

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