Nick Papapostolou
Senior Small Business and Commercial Card Executive
- Role
- Head of Credit Strategy Oversight Small Business and Commercial Cards at Citi
- Location
- Wilmington, DE, US
- LinkedIn followers
- 500 followers
About Nick Papapostolou
Extensive experience managing commercial cards (small business and corporate (T&E) cards) and consumer cards; experience in both 1st & 2nd Line of Defense, great relationships with 3rd LODo Responsible for the development, implementation and oversight of risk frameworkso Led independent credit risk oversight and model risk management teams which impact financials & operations∙ Establishing standards for the management, measurement and reporting (MIS) of credit risk and governance risk including credit policy, risk appetites, controls, KPIs, and RCSA o Responsible for the analysis of business impact for enacted laws/regulations and third party supplier risk o Oversight of the loan loss reserve calculations and loss forecast; owner of portfolio P & Ls∙ Multiple successful interactions with senior leaders: CEO,COO, CTO, CMO, credit committees, regulators∙ Demonstrated success in selling/collaborating/aligning with multiple stakeholders across the organizationo Internal: Senior Risk Managers, Marketing, IT, Operations, Finance, Audit, Legal, Complianceo External: Regulators (OCC, CFPB, the Federal Reserve Board, FDIC), partners, third party suppliers ∙ Continuous Improvement Mindset: Repeated success driving large cross-functional transformational projects-Agile framework, Sprints; led the business PMO ∙ Mentor: Leading and building high performance multi-disciplinary teams including credit risk and control reporting & tracking analysts, process owners, strategy creators, data analysts; onshore and off-shore teams∙ Using analytics to grow lending portfolios using a balanced approach of sustainable growth and profitability in line with risk framework, business controls and maintaining regulatory compliance ∙ Creative Problem Solver: Curious, innovative and hands-on thinker with experience designing and executing strategic vision, product development, road maps and strategies/solutions and the digital buildouts (creating personas & journey experience)/infrastructure to solve major customer pain points and achieve business goals ∙ Management of the entire customer life-cycle management: o Underwriting: acceptance criteria, initial line and pricing assignment, targeting/ campaign managemento Portfolio: proactive & customer-requested CLI, CLD, APR changes, authorizations (over limit) o Delinquent and Recovery account management strategy: segmentation, contact strategy 3rd party agency performance, bankruptcy and deceased portfolioso Direct the development of queries, pulling of data, test & learn using SQL, SAS; report enhancing
Experience
Head of Credit Strategy Oversight Small Business and Commercial Cards
Jan 2021 — Present · Wilmington, DE, US
Education
Columbia Business School
Master of Business Administration (MBA)
Massachusetts Institute of Technology
Electrical Engineering Technologies/Technicians
Stony Brook University
Bachelor of Science - BS, Applied Mathematics&Statistics and Economics
Skills
- Credit Risk
- Strategy Development
- Model Validation
- Corporate Risk
- Strategy
- Program Management
- Banking
- Risk Management
- Management Consulting
- Model Risk Management
- Call Centers
- Credit
- Credit Cards
- Financial Risk
- Management
- Analytics
- Financial Services
- Project Management
- Portfolio Management
- Loans
- Governance
- Underwriting
- V&V
- Portfolio Life-Cycle Management
- Enterprise Risk Management
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