Irene Koutselli
Senior Retail Credit & Operations Officer
Intro
Senior banking professional with over 13 years of experience specializing in Credit Analysis and Operations. Demonstrated expertise in analyzing financial data, improving operational efficiency, and supporting strategic decision-making. Skilled in credit evaluation, loan operations, process improvement methodologies with a strong track record of streamlining operations and enhancing efficiency. Experienced in change management, stakeholder collaboration, and driving continuous improvement initiatives. Strong communicator with a proven track record of aligning business activities with organizational goals. Currently pursuing the Certified Associate in Project Management (CAPM)® Certification to further enhance project management skills.
Experience
Apr. 2017 – Present
Volkswagen Financial Services
Senior Retail Credit & Operations Officer
Athens, GR
- 𝗣𝗿𝗼𝗰𝗲𝘀𝘀 𝗜𝗺𝗽𝗿𝗼𝘃𝗲𝗺𝗲𝗻𝘁 𝗜𝗻𝗶𝘁𝗶𝗮𝘁𝗶𝘃𝗲𝘀: Led the streamlining of loan processes, reducing processing time and increasing accuracy.
- 𝗥𝗶𝘀𝗸 𝗠𝗼𝗻𝗶𝘁𝗼𝗿𝗶𝗻𝗴: Monitored key risk and performance indicators (KPIs), ensuring compliance with organizational goals and regulatory requirements.
- 𝗖𝗿𝗲𝗱𝗶𝘁 𝗥𝗶𝘀𝗸 𝗔𝘀𝘀𝗲𝘀𝘀𝗺𝗲𝗻𝘁: Analyzed credit data and financial statements for retail, business, and leasing customers, approving loans and leases within specified credit limits.
- 𝗥𝗲𝗽𝗼𝗿𝘁𝗶𝗻𝗴: Provided insightful reports to senior management to support strategic decision-making.
- 𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗥𝗲𝗾𝘂𝗶𝗿𝗲𝗺𝗲𝗻𝘁𝘀 𝗗𝗲𝗳𝗶𝗻𝗶𝘁𝗶𝗼𝗻: Defined and translated business requirements into technical specifications for software solutions, enhancing system efficiency.
- 𝗧𝗲𝗮𝗺 𝗟𝗲𝗮𝗱𝗲𝗿𝘀𝗵𝗶𝗽: Trained and coached new hires, fostering a collaborative and high-performing team environment.
- 𝗣𝗿𝗼𝗰𝗲𝘀𝘀 𝗢𝗽𝘁𝗶𝗺𝗶𝘇𝗮𝘁𝗶𝗼𝗻: Collaborated with the Accounting Department to validate and process over 400 loan disbursements monthly, increasing efficiency.
- 𝗣𝗲𝗿𝗳𝗼𝗿𝗺𝗮𝗻𝗰𝗲 𝗠𝗼𝗻𝗶𝘁𝗼𝗿𝗶𝗻𝗴: Tracked and analyzed performance metrics, identifying areas for improvement and implementing solutions.
- 𝗖𝘂𝘀𝘁𝗼𝗺𝗲𝗿 𝗥𝗲𝗹𝗮𝘁𝗶𝗼𝗻𝘀: Maintained strong relationships with customers and VW Dealers, enhancing customer satisfaction and loyalty.
- 𝗣𝗮𝘆𝗺𝗲𝗻𝘁 𝗦𝗼𝗹𝘂𝘁𝗶𝗼𝗻𝘀: Developed partial and full prepayment calculations and restructuring proposals based on customer requests.
- 𝗡𝗼𝗻-𝗣𝗲𝗿𝗳𝗼𝗿𝗺𝗶𝗻𝗴 𝗟𝗼𝗮𝗻𝘀 𝗠𝗮𝗻𝗮𝗴𝗲𝗺𝗲𝗻𝘁: Reduced non-performing loans (NPLs) by proposing alternative payment plans, resulting in a decrease in default rates.
- 𝗖𝘂𝘀𝘁𝗼𝗺𝗲𝗿 𝗘𝗻𝗴𝗮𝗴𝗲𝗺𝗲𝗻𝘁: Built and maintained strong relationships with customers to facilitate collections and recoveries.
- 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗔𝗻𝗮𝗹𝘆𝘀𝗶𝘀: Evaluated potential customers' financial data to determine viability.
- 𝗣𝗿𝗼𝗱𝘂𝗰𝘁 𝗢𝗳𝗳𝗲𝗿𝗶𝗻𝗴: Provided tailored financial and insurance products based on customer needs.
Jan. 2008 – Dec. 2008
Diethnis Enosis Insurances S.A.
Sales Consultant
Athens, GR
- 𝗦𝗮𝗹𝗲𝘀 𝗔𝗰𝗵𝗶𝗲𝘃𝗲𝗺𝗲𝗻𝘁: Exceeded sales targets by 15% through effective customer engagement and needs assessment.
- 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗦𝗲𝗿𝘃𝗶𝗰𝗲𝘀 𝗣𝗿𝗼𝗺𝗼𝘁𝗶𝗼𝗻: Advised customers on a variety of financial services to meet their financial goals.
Education
2011 – 2013
Athens University of Economics and Business
MSc in Services Management
Athens, GR
Specialization in Marketing/Consumer Behavior.
2006 – 2010
National and Kapodistrian University of Athens
Bachelor of Political Science and Public Administration
Athens, GR
Specialization in Administrative Science.
Certificates
Languages
Greek
Native
English
Fluent
French
Conversational