Conferinta de Management al Riscului de Creditare

Head of global corporate ratings group, covering non-financial corporates. Fitch’s corporate rating work is carried out by more than 350 dedicated corporate analysts, based in 22 cities around the world, and also covers all aspects of the rating and surveillance of upwards of 2,000 non-financial corporations across the globe, rating over $10 trillion of debt. Beyond ratings, the group also publishes timely commentary on different sector trends, scenario analyses for industries and individual companies, issuer forecasts, commodity price decks and loan and bond performance across regions.

Markus is the Chief Economist of Dun & Bradstreet and is based in the company’s London office. He holds a Diploma in Economics with a specialisation in labour markets, monetary policy and European economics.
In 2009, he obtained a Robert Schuman Scholarship in the European Parliament where he worked for the Committee for Economic and Monetary Affairs, as well as assisting in the Monetary Dialogue between the Parliament and the European Central Bank.
After a stint as academic research assistant at the University of Würzburg, he joined Dun & Bradstreet’s Country Insight Services in the UK as a Country Risk Analyst in 2010. In this role, he is covering the UK, France and his home country Germany, combining the company’s vast micro-economic data with his macroeconomic and political expertise.
Since 2016 he has been one of Dun & Bradstreet’s media spokespersons. In this role, he has featured in newspapers and magazines many times and has also participated in interviews on national television. In addition, he regularly speaks in front of domestic and international audiences.

Valentin LAZEA is Chief Economist of the National Bank of Romania, as well as President of the Board of TranFonD SA. He attended advanced courses at renowned institutions, such as: IMF Institute, Washington DC, USA, Sussex University, Brighton, Great Britain, Istituto Giordano dell'Amore, Milan, Italy.

He is a founding member and President of the Steering Committee of the Romanian Center for Economic Policies (CEROPE).

He has published numerous studies and specialized books as an author or co-author, such as: ``Conditionalities in the financial-banking field for Romania's admission to the EU``, CEROPE, 1999; ``Estimating the Balassa-Samuelson effect in Romania``, CEROPE, 2003; ``Rural development and agricultural reform in Romania``, CEROPE, 2004; ``Ways of measuring the quasi-fiscal deficit in Romania``, CEROPE, 2005; „Environmental taxes in Romania’, CEROPE, 2006; ``Structural changes in the Romanian economy after integration``, CEROPE, 2007; ``Prioritizing EU policies in the process of reviewing the Community budget``, CEROPE, 2012; co-author of ``The EU and Romania: Accession and Beyond``, The Federal Trust, London, 2006; co-editor and co-author of the volume “Structural changes and economic performance in Romania”, IRLI Publishing House, Bucharest, 2003; editor of the volume “Economic growth and convergence”, Ed. Mustang, Bucharest, 2008. He also participated in three technical assistance programs for the National Forecast Commission, the Ministry of Finance and the Prime Minister's Office, financed by PHARE funds (2001-2007 ).

Apostolos Tsoubris is the Executive Director and global head of the Management Consulting Practice of ICAP Group. ICAP Management Consultants provide solutions and services globally with specialization in Customer Strategy, Risk Management & Finance, Operational Excellence and Sales & Marketing. A strong team of business consultants and technology experts combine business consulting and innovative technologies resulting to a unique value proposition. Apostolos previously worked for many International solution provider companies & their partners like Sungard, Fiserv, FUNDTech, Unisys, IBM etc.
During his 28 year career he has delivered consulting services and complex technology projects to most Banks and Firms like Alpha Bank, Eurobank, Piraeus Bank, Praxia Bank, Optima Bank, Emporiki Bank, Credit Agricole, National Bank of Greece, First Data Hellas (Sia) to name a few.
Apostolos is specialized in Credit Risk Management, Customer Loyalty and Analytics, Digital Transformation and Big Data & Analytics. He leads teams specialized in Strategy & Business Consulting, Business Process Management, Corporate Performance Management and Compliance. He is the CEO of Comply.Data, a 100% ICAP Company specialized in Compliance. Apostolos has an excellent domain knowledge in Banking, Telco and Retail business. He holds a Bachelor degree with highest distinction in Computer Engineering, and Masters in Artificial Intelligence, Polytechnic School of Engineering, University of Patras. During his professional career, Apostolos has been trained in different phases of the Adizes program for organizational transformation (Worldwide Leading methodology for accelerating organizational change).

Myrto Kyriakidou is Executive Director of the Credit Risk Services at ICAP and responsible for the function of ICAP as a Credit Rating Agency.
Prior to ICAP, she was Director of the Portfolio Analytics Department of Qualco, leading a team of experts who evaluated and designed credit & collections strategies, based on data mining findings and risk modelling. She has held a Risk Analytics consultancy position at National Bank of Greece (NPL Division), contributing to the improvement of Credit and Collections processes. As Head of Statistical Decisions Hellas, she analyzed and evaluated credit portfolios for leading Retail Banks. Her first position was actuary at Interamerican Property & Casualty Insurance Company S.A.

Melina Skouridou este asistent vicepresedinte si analist principal pentru institutiile financiare EMEA, cu accent pe Europa Centrala si de Sud-Est. In prezent, realizeaza analize de rating pentru un portofoliu de banci din Ungaria, Romania si Slovenia, iar inainte a lucrat cu banci norvegiene si cipriote, precum si cu institutii financiare din Egipt, Israel si Bulgaria. Acestea includ banci private mari, publice si state afiliate; creditori comerciali mici si mijlocii si institutii guvernamentale.

Melina s-a alaturat biroului Moody's Limassol in 2006 si-a inceput rolul in cadrul Moody servind institutiile financiare care opereaza in cadrul Consiliului de Cooperare al Golfului. Inainte de a se alatura companiei Moody's, a lucrat ca analist pentru o firmă locala de administrare a investitiilor, efectuand analize pentru diverse titluri de valoare si participand la procesul decizional pentru investitii.

Melina are un masterat in matematică financiară de la Colegiul King's, Universitatea din Londra si o diplomă de licenta in matematică de la aceeasi scoală. Ea a obținut denumirea CFA (analist financiar expert) în 2009.

Christian Berger este lider de practica pentru credit comercial in regiunea centrala si sud-est europeana a Marsh, care cuprinde activitati in 17 piete diferite, din tarile baltice si pana in Israel. Christian lucreaza la sediul din Viena si gestioneaza, printre altele, conexiunea echipelor regionale cu practica de credit comercial la nivel european si global a Marsh.

Inainte de a se alatura echipei Marsh in 2016, Christian a petrecut 17 ani in calitate de manager la Coface, unde a fost responsabil pentru crearea retelei de credite comerciale din Europa Centrala. Pe parcursul carierei sale la Coface, a detinut numeroase functii de conducere la nivel regional si national in zona EEC, inclusiv pozitia de director de tara in Austria si Republica Ceha.

Haris Linardakis este liderul IBM Cloud, Grecia si Cipru, din anul 2015. In cadrul rolului sau, ajuta intreprinderile de toate dimensiunile din Grecia si Cipru sa evalueze disponibilitatea cloud, sa dezvolte strategiile de adoptare a cloud-ului si sa activeze transformarea lor digitala.

De-a lungul carierei sale in IBM, a detinut functii de dezvoltare a afacerilor in domeniul serviciilor tehnologice globale si a sectorul interprinderilor. Ca profesionist, el se angajeaza sa aduca un plus de valoare comerciala prin avansare tehnologica si gandirea inovatoare. Interesele sale principale includ platforme si servicii de tip cloud, analize de afaceri, IoT, aplicatii cognitive si dezvoltare de aplicatii agile.

Parcursul academic al lui Haris include diploma de inginerie electrica si informatica si un doctorat in domeniul telecomunicatiilor, ambele de la Universitatea Nationala Tehnica din Atena. A publicat si a participat la programe de cercetare in domeniul protocoalelor de control al accesului mediu in retelele optice.

Adrian Vasilescu a început ca jurnalist și are peste 57 de ani de carieră jurnalistică neîntreruptă lucrând pentru ziare, reviste, radio și televiziune. Până în 1996, a fost profesor asociat la Academia de Studii Economice, la Universitatea București și la Facultatea de Jurnalism, calitate urmată de mai multe poziții cheie la Banca Națională a României: coordonator al strategiei de comunicare, parte a echipei de consilieri ai guvernatorului BNR și în prezent consilier de strategie al BNR. În 2000 acesta a fost un membru al guvernului, aflându-se în echipa de consilieri ai Primului Ministru, în timpul lui Mugur Isărescu.

Dl. Adrian Vasilescu are rubrici financiare săptămânale în ziarele românești, interviuri și recenzii în numeroase alte publicații și este titularul a numeroase premii.

Dr. George Christodoulakis este consultant financiar si antreprenor, membru al Consiliului de Administratie al ICAP, membru al Academiei de Afaceri din Manchester, Universitatea Manchester. A activat in calitate de secretar de stat pentru restructurarea activelor si privatizari in cadrul ministerului de finante din Grecia. De asemenea, a fost consilier al Guvernatorului Bancii Greciei, membru al Consiliul elen pentru guvernanta corporativa si profesor universitar la Cass Business School of City, Universitatea din Londra. Expertiza sa se axeaza pe riscul de credit si de piata, prognoza si reglementare financiara. A avut un numar considerabil de publicatii in reviste si carti de cercetare si a editat cartea „Gestionarea riscurilor in criza datoriilor statelor europene periferice”, Palgrave Macmillan 2015 si a co-editat „Analiza validarii modelului de risc” , Elsevier 2008 si „Jurnalul validarii modelului de risc”, Journals Risk 2006.

Marcella Antolini s-a concentrat, de-a lungul carierei sale, pe retail bancar. Principala sa preocupare a fost legata de riscul de creditare, prevenirea fraudei si optimizarea proceselor, punand accent pe imbunatatirea performantelor functiilor de creditare si de risc pentru clientii strategici de nivel international