Renat Usmanov

Full debt collection process management for various online and offline lending products in 6 countries, in total of 67M euro portfolio (in-house/external collection, debt restructuring, forward flow and debt sale).

• Implemented collection strategies and workflows across Group, which improved recoveries and roll rates, while portfolio significantly increased and average ticket size doubled.
• Implemented unified OKRs/KPIs and reporting across Group (requirement preparation for BI developers/testing).
• Automated processes and improved collection tools (launched unified call centre and predictive dialer functionality, improved ERP system and its functionality), which allowed to decrease cost on 40%, while collection efficiency improved.
• Trained Debt collection managers and minimized turnover.
• Deep portfolio analysis and workflow audit for process optimization.

• Due diligence support (portfolio purchasing)
• Assets/collateral monitoring for SME.

Ensured debt collection operations over bank's retail portfolio (mortgages and cars, sme-loans).

• Strategically coordinated operations according to objectives, increased company profits through performance optimization strategies and efficiency improvements.
• Established performance goals for department and outlined processes for achievement, supervised and trained field and legal agents (FTE ~100).
• Hired and managed employees to maximize productivity while training staff on best practices and protocols.
• Decreased time for routine actions by automating claims process.
• Implemented debt collection reporting and KPI's to maximize employees performance.
• Implemented portfolio segmentation workflow to minimize losses.
• Conducted financial due diligence on potential investments and acquisitions

Full responsibility for field and legal collection department.

• From scratch developed and managed field and legal collection network in 2 markets - Ukraine (from 30 to 150 FTEs), Russia (from 0 to 110 FTEs).
• Launched field and legal collection processes for unsecured consumer loans and utility debts.
• Developed procedures and tools for all representatives to assist them with debt collection negotiation process which allowed to reach highest productivity while cost reduced.
• In-house CRM system development. User story writing, maintaining technical specifications and User Acceptance Testing.

Bank's partner network development to grow mortgage portfolio (real estate agencies, financial intermediaries, developers – primary and secondary real estate markets)

• Created partner network and maintained strong working relationships.
• Developed procedures and supported financial consultants (~45 branches) to assist with customer mortgage application process which led to overachieving sales target by 10-20%
• Fraud investigation