Mag. Marko Markovic

Consulting and advisory services to banks; Projects on product management and strategy in digital banks, banking and mobile Apps, wallets, strategic decision-making support, competitors analysis, roadmaps etc. Projects on Credit Risk Management & Processes Projects on Collections and NPL management Leading a Team - People Management

Sberbank Direct (SBDE) is online (digital) bank operating in Germany with Austrian banking license Retail credit risk, Underwriting & Fraud management Ensuring compliance with all relevant regulatory requirements (ECB, EBA, OeNB, FMA etc.) as well as alignment with JST People management SPOC for 5 outsourcing partners, bills approval As of 03.05.2022 the BAWAG P.S.K bought Sberbank Direct (SBDE) portfolio in Germany and took over the SBDE employees responsible for German market

Management & Monitoring of retail credit risk, credit risk policy rules and creation of guidelines Management, maintenance and optimization of credit decision engine & underwriting processes Ensures compliance with all relevant regulatory requirements Close cooperation with business departments to launch risk-based products incl. accompanying processes X2A (DAC/Open Banking) implementation Business owner for wide scope of risk topics when it comes to development of new mobile application - Agile approach

Establishment of a new bank on the Austrian market. Bank of Austrian Post later named as “bank99” went live on 01.04.2020 Implementation of retail end-to-end processes in bank99 (onboarding & retail risk & early collections processes as well as their optimization with CRIF, KSV etc.) Creation of policies and internal guidelines Setting the credit risk policy rules and building a tool for massive granting of overdraft Steering and management of retail credit risk Working language - German

Leading and supervision of Group Collections Team responsible for steering of subsidiaries Leading enhancement of collections processes for all subsidiaries in all areas of Collections (Early & Late incl. Legal) People management, staff development Ensuring compliance with all regulatory requirements (ECB,EBA,OeNB,FMA,JST) in the EC, EWS and NPL management. Ensuring fulfilment of the Group NPL reduction strategy Leading NPL portfolio sales Regular reporting to Committees, MB and SB

Retail end to end process Defining the Group NPL strategy in accordance with ECB & EBA legislative for all subsidiaries Setting KPIs for subsidiaries in Early and Late Collection area (incl. Legal) Manage, steer, supervise and coordinate activities of Collections Units Improvement and implementation of collection processes Implementation of IT Collection tools and portfolio debt sales Communication with regulators Defining EWI's; EWS Policy & process; EWS tool Default and Recovery Database

Supervising the team (Team Leader) Implementation of National Bank Serbia requirements - improvement of the regulatory framework for treatment of restructured receivables based on EBA standards (forbearance and NPE) IFRS 9 – project team member Creating a loss events list for Default identification tool Supervising LLP calculation and comprehensive monitoring & reporting of credit risk Methodologies update, development and implementation

Credit risk reporting (internal & external requests) Development and improvement of various statistical models (e.g. PLLP, vintage analysis per merchants, EWS etc.) Methodologies update, development, and implementation LLP calculation and reporting as per IAS standards (39 & 37), relevant IFRS standards and local legislative ICAAP & Stress test – Calculation of capital requirements for currency induced credit risk, credit interest rate risk, concentration risk and residual risk

LLP (specific LLP & IBNR/collective LLP) – calculation and reporting according to IAS 37 & 39 Portfolio analysis of Corporate Credit Risk and its reporting Implementation of unwinding Development of internal statistical model used to estimate the market value of collaterals Budgeting NPLs and LLPs ECB and NBS AQR Implementation of changes in credit risk parameters (PD, EAD, LGD & LIP) and internal rating model Methodologies update, development, and implementation

Implementation of NetIbis Collateral Module Additional responsibilities: ICAAP

Das Zoran Đinđić Stipendienprogramm der Deutschen Wirtschaft; (Ost-Ausschus; Zoran Đinđić Foundation) Doing business with banks, central banks and financial institutions in the areas of Cash Services, Trade Services, Banking Products and Market Products Project: Internal assessment of the Financial System Indicators (CEE & Turkey) as an input for a country rating

Average grade: 10.00 (highest grade)