K E L T S K Á 3 9 2 , 2 5 2 6 2 S T A T E N I C E , C Z E C H R E P U L I C
( 4 2 0 ) 6 0 6 – 6 6 9 8 1 9 , MARTIN.VAKOC@TISCALI . CZ
Ing. Martin VAKOČ
E X P E R I E N C E
RAIFFEISENBANK, Prague.
RETAIL RISK
Mar 2011 –present Head of Mortgage Underwriting
Feb2010 –Feb 2011 Head of Micro Underwriting
Responsible for portfolio risk management: portfolio performance, underwriting and
monitoring, credit policy and risk related processes.
Involved in Collection activities. I was in charge of Early Warning System
development project.
Apr2009 –Jan 2010 PREMIUM SEGMENTS
Head of Segment SME and Lending management, responsible for customers
segment management and segment business performance. Asset products for business
clients w/ annual turnover up to CZK 250 mil. management and development.
GE MONEY BANK, Prague.
Jan.2008 – Mar.2009 SEGMENT MANAGEMENT – COMMERCIAL
Segment team manager, responsible for income, credit and deposit balances,
acquisition, retention and client’s activity in SME segment with net sales up to CZK
30 mil. (8.500 client portfolio)
; Segment strategy preparation and fulfillment
; Loans up to CZK 5 mil. product management and development
Jul.2006 – Jan.2008 PRODUCT MANAGEMENT&DEVELOPMENT - COMMERCIAL
Product manager, responsible for product strategy preparation of working capital and
investment loans up to CZK 5 mil.
; Product management with emphasis on process automation and simplification
; Asset based loan in Sales competence
; Risk based pricing approach
; Marketing campaigns, budget management and responsibility for results
achieved.
ČSOB, Prague.
May. 2005 – Jul.2006 SEGMENT AND MARKETING MANAGMENT - SMALL AND MEDIUM
ENTERPRISERS
SME project coordinator, responsible for developing and coordinating following
projects:
; Micros acquisition; setting the motivation system for sales specialists;
monitoring and evaluating sales specialists’ performance
; Product development; minimal credits w/o impact of financials, credits for
health sector against insurance company invoices, process simplification
; Business credit card; new product development, prepared for launching
; Entrepreneurs accounts; new product programs for professionals
; Creating SME business plan, strategy and budget for the next year
Oct. 2004 – May.2005 SEGMENT AND MARKETING MANAGMENT – PAYMENTS
E-banking and Payments Product manager:
; Responsible for retail e-banking product portfolio, payment cards and
payment operations
; Developing e-banking strategy and new functionalities development for next 3
years
; Marketing campaigns, budget management and responsibility for results
achieved
; Monitoring the competition and customers satisfaction
; Setting sales processes and distribution simplifications
Oct. 2002 – Sep. 2004 OVB ALLFINANZ, Brno.
Financial advisor
; Created financial and subvention analysis
; Formed individual financial plans
; Prepared contracts for signing
E D U C A T I O N
Sep. 2000 – May 2004 Masaryk University of Economics, Brno.
Specialization in economic policy and administration.
Sep. 1998 – Jun 1999 Language school MKM, Brno.
English studies.
S K I L L S, T R A I N I N G S A N D V O L U N T E E R E X P E R I E N C E
Languages: Czech (native), English (fluent), Spanish (proficient).
Computers knowledge: MS Office (advanced knowledge), Internet applications, etc.
Trainings: Portfolio management, Green Belt–Six Sigma process (DMAIC, Lean,
CAP); Silva Method; Communication/managerial skills (several times).
Volunteer experience: 2001 -2004 Basketball Trainer, junior categories, Brno-Žabovřesky.