Manager

IOANNA STANEGLOUDI

Address: *** **** **** ******, ***. 2613

New York, NY 10036, U.S.

Mobile: 917-***-****

e-mail: ***********.******@*****.***

Date of birth: 31/08/1982

Marital status: Single

PROFILE:

Seasoned credit and risk professional with deep understanding of risk assessment, debt restructuring, cost of risk mitigation, debt portfolio management and relevant analytics. My industry insights were further enhanced through my experience in management consulting, corporate and retail banking. I am a motivated and result driven professional with solid business acumen. I excel in developing financial business models that shape the strategy of analytics in the environment I operate. Specialties: debt restructuring, business planning, credit assessment, portfolio management, management consulting. PROFESSIONAL EXPERIENCE:

07/2014 – Today GRANT THORNTON, Advisory Manager

reporting to the Partner of Advisory Department

Managing project teams responsible for:

Loan restructuring projects

Business planning & fund raising

Corporate valuation projects

Operational advisory projects

Achievements / Projects:

Achieved result 150% above budget by the first year of operations.

Following the successful execution of the first Consignment Deposits and Loans Fund (CDLF) project a number of additional projects were awarded following directions of the Greek Ministry of Finance.

Indicative projects: Pindos SA (poultry industry), ATERMON (construction company), Olympion Hotel, Mouzakis (textile industry), Ergotem & Tetras (hotels), SPYROY Co (seed breeders, listed in ASE), SAO SA (aquaculture), Motor Oil Hellas (refineries).

01/2014 – 07/2014 MTN CYPRUS (MTN GROUP), Credit Control & Collections Manager reporting to CFO

Managing a team of 10+, responsible to ensure bad debt minimization.

Key responsibilities:

responsible to organize the practice

full operational restructuring (systems, people, procedures, policies, controls, reporting)

new credit policies/procedures/controls development

allocations to external offices, legal actions, settlements, discounts

handling the bar-out/suspension procedure

monitoring clients’ credit limits

05/2013 – 12/2013 FREELANCE, Management Consultant, Greece Developed a management consulting practice in the areas of operational restructuring and investment & financing advisory.

Corporate valuation projects: Hleus Hotel, Artinook

Afoi Karaniki S.A. (former Iktinos S.A.), construction company accounting department restructuring

EU funding projects

07/2010 – 04/2013 CREDICOM CONSUMER FINANCE SA (CREDIT AGRICOLE S.A.), Greece 07/2011 – 04/2013 Risk Treatment Deputy Director at Risk Treatment Division, reporting to Risk Treatment Director

Managing 4 departments of 60+ employees: retail collections, retail litigation, corporate collections & litigation, back-office and system’s administrators. Upgraded and restructured the practice/policies of all departments, in collaboration with the managers. Reviewed and applied internal controls policies and procedures.

Achievements / Projects:

Achieved a 30% average decrease in cost of risk by applying new strategies on debt management practices and modifications on the delinquent portfolios treatment (applied discount campaigns, rescheduling on specific portfolio segments etc).

Developed a risk management model for the bank's delinquent portfolio, aligning group cost of risk targets with daily operations, in order to achieve targeted KPIs.

Project manager of the business intelligence project, managing to integrate the division’s key MIS reporting tools into one analytics platform.

Speaker at the 4th annual automotive finance summit, Berlin, May 2012 (banking & automotive finance top management conference).

07/2010 – 07/2011 Senior Credit Officer at the Corporate Financing Department, reporting to the Supervisor of the Department

Restructuring of the processes involved in the corporate financing department.

Analysis of corporate creditworthiness and propose financing facilities. Achievements / Projects:

Updated the credit manuals & policies, by applying best practices provided by CACF.

Development of a credit risk exposure analytics platform. 09/ 2008 – 07/2010 ERNST & YOUNG BAS, Senior Advisor at Valuation & Business Modelling Department, Greece reporting to the Partner of Valuation & Business Modelling

Performed enterprise valuation and M&A projects (business plans, applying best practice valuation tools, analysis of assumptions, approaches, report writing) for various sectors (healthcare, energy, construction etc).

Involved in real estate analysis and reviews; gained valuable experience in projects both in Greece and abroad.

Responsible for Transfer Pricing projects for multinational groups of companies. Achievements / Projects:

DEH Akinita (PPC, Public Power Corporation Real Estate Company) real estate review, Olympion Therapeftirion valuation, Energean Oil & Gas (former Aegean Energy) valuation, M&A for Tyco International.

Financial advisor at the Entrepreneur of the Year awards sponsored by Ernst & Young. 03/ 2002 – 09/ 2008 ATTICA BANK SA, Greece

06/2006 – 09/2008 Credit Officer at the Athens Division of Corporate Loans (Business Center), reporting to the Regional Director of Athens Branches

Financial and Credit analysis of both large corporations and SMEs.

Feasibility testing of business plans/projects for construction companies or construction projects

Constantly engaged in meetings with corporate clients, discussing their projects and the best practice for financing

Achievements / Projects:

Implementation of the creditworthiness analytics platform for corporate credit risk valuation, measuring transactional and credit risk.

09/ 2003 – 06/ 2006 Credit Analyst – Athens Main Branch, reporting to the Branch Director

Organizing and making all the credit requests for the corporate loans department. Managed to create a dynamic database and in the same time learn about all types of businesses

Financial and Credit Analysis of corporate clients, both for large corporations and SMEs (evaluation of credibility, profitability, liquidity, collateral coverage) Achievements / Projects:

Development of a dynamic creditworthiness scoring platform with financials analytics for the corporate loans department

03/ 2002 – 09/ 2003 Corporate Loans Department – Athens’ Main Branch, reporting to the Corporate Loans’ Manager of the Branch

In charge of personal portfolio of corporate clients.

Financial and credit analysis of corporate clients.

Involved in all aspects of credit disbursement . Achievements / Projects:

Implemented the online system for the corporate loans department. EDUCATION:

09/2015 - Today CIMA Level III Candidate

09/2006 - 06/2008 M.B.A. International - Athens University of Economics and Business - G.P.A: 7.80/10. FIELD STUDY PROJECT (Dissertation): Basel II – Literature Review, for Bank of Greece (October 2007) 09/2000 - 09/2005 BSc in Accounting and Finance - Athens University of Economics and Business - G.P.A: 7.43/10 LANGUAGE SKILLS

Greek (Native), English (Fluent, Cambridge Proficiency), French (Fluent, Delf I & II) COMPUTER SKILLS:

MS-Office (Word, Excel, PowerPoint, Access and Outlook), possess the Key Cert Certification

Bloomberg, T24, Globus, E-loans, Qualco Collections ADDITIONAL TRAINING

Coaching Skills (2013), Credicom Consumer Finance SA

Debt Collections Skills (2012), Credicom Consumer Finance SA

Corporate Business modeling (three-day seminar at Istanbul, in 2008), Ernst & Young

Valuation procedures (four-day seminar at Berlin, in 2008), Ernst & Young

Mergers & Acquisitions (three-day seminar at Bucharest, in 2008), Ernst & Young

Oracle GL Financial Accounting Seminar (2005), Attica Bank

Globus Seminar for Corporate Loans (2004), Attica Bank LEISURE ACTIVITIES:

Tango, horse riding, making clothes, sailing, driving, playing the piano, traveling REFERENCES

Available upon request

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