( Product feature analysis, planning, and execution through the entire product lifecycle. This would include gathering and prioritizing product requirements, requirement analysis, working with the development team as a product owner to lead implementation using agile methodology, and working closely with all the stakeholders to make sure all their business requirements are met;
 Effectively collaborate and communicate product road map, project status, and issues to executive management, project management office, and other stakeholders, as necessary;
 Writing product requirement specifications with user stories and acceptance criteria; recommend sequencing, MVP, and phasing of product features for development
 Market research of the SMBs business, in-depth understanding of the SMBs’ business processes;
 Investigating of SMBs’ business performance indicators, analysis of business and financial indicators, development of analysis models;
 Investigating of data source apps;
 business analysis of data from source systems;
 creation, filling of test accounts;
 integration model development;
 participating in model’s development process (credit risk assessment models; data reconciliation models)
 Development of client base segmentation tools;
 development of functional product modules;)

( Introduction and implementation of Risk Management strategy for entire holding
 Development of methodological risk management documents (credit policies, procedures, regulations, instructions)
 Development of anti-fraud rules
 Evaluation and analysis of major risks (credit risk, operational, reputational, market risk, strategic), developing proposals for optimizing business processes to minimize these risks
 Individual Risk Assessment, Sectoral Risk Correlations and Risk Contagion
 Management the development of risk models, forecast key business metrics, oversee and conduct sensitivity and scenario analyses
 Supervision of the development and implementation of automated risk instrument models (full cycle application and behavioral score cards, decision tree’s development)
 Application of IFRS methodology and respective calculation of provisions (LGD, EAD modeling)
 Development standard set of risk and performance reports for credit portfolio evolution, risk analytics and quantitative analysis, vintages, roll rates, was is, factor analysis
 Development and operational management reporting of risk indicators of the company
 Development of strategy and control of bad assets of the company (collection strategy, NPL)
 Identifying risks and opportunities in utilizing emerging technologies for efficient and sustainable financial service provision
 Data centers, big data, Cloud, Open Source, Mobile clients
 Good knowledge of Central Bank’s requirements, process compliance and application Production and submission of systematic / periodic reports to the regulator)

( Processing of retail credits; analyze the files and provide relevant recommendation to head or Risk Managers for decision-making purposes
 Follow-up that the relevant reports (pipeline) and credit files database are permanently fed by the Risk Analyst and all relevant documents, Correspondence and Decisions are dully saved
 Retail Credits Post-disbursement checking - responsible for the permanent preparation of the relevant follow-up report
 Retail Credit Portfolio Analysis - provide all the necessary information and technical support regarding retail credit portfolio, to structure and distinguish separate parts of the portfolio which may be interesting for the analysis; execution of retail credit portfolio analyses
 Reporting and relevant preparations for National Bank of Georgia (NBG) Supervision team - supply the requested information; collect the documents inside the bank from different structural units (mainly Retail Banking Division, but not limited with them), sorting and supplying to NBG representatives; Preparation of the special reports upon request of NBG supervisors
 Preparation and organization of the internal instructions / procedures - creation of special instruction and procedures, aiming the regularization of bank’s related activity identified as important fields by the department or Risk Managers
 Management of the projects initiated by Risk Management Division
 Management of Environmental and Social Risk)