Risk Analysis & Management: • Developed and led the implementation of credit risk models and frameworks tailored to B2B credit, ensuring alignment with business objectives and regulatory standards. • Conducted in-depth analysis of credit performance data to identify emerging risks and recommend targeted mitigation strategies. • Established and continuously monitored Key Risk Indicators (KRIs) to enable proactive and data-driven risk management. • Spearheaded the creation of robust policies and procedures governing credit risk assessment, underwriting, and ongoing portfolio monitoring. Leadership & Collaboration: • Managed and mentored a high-performing team of analysts and specialists, fostering professional growth and achieving departmental risk goals. • Collaborated cross-functionally with Compliance, Product, and Data Science teams to embed risk controls into product development and operational processes. • Acted as a key liaison with external stakeholders, including funding partners and regulatory bodies, to ensure transparency and alignment with risk expectations.

• Reporting Framework Design: Designed and implemented a comprehensive reporting structure for Proof of Value (POV) testing, delivering actionable insights tailored to the needs of participating stakeholders. • Advanced Data Analysis: Analyzed BNPL datasets to uncover critical metrics such as default rates, repayment behavior, loan usage patterns, and demographic segmentation. • Industry Benchmarking: Developed performance benchmarks and assessed test participants against these standards to highlight competitive positioning and improvement areas. • Predictive Insight Generation: Identified and validated novel data attributes as predictors of consumer behavior and lender outcomes, enhancing future credit risk modeling. • Stakeholder Collaboration: Engaged cross-functional teams and external participants to ensure reporting outputs aligned with test goals and stakeholder expectations. • Process Documentation: Authored detailed documentation covering methodologies, reporting templates, and feedback loops to enable refinement and future scalability.

• Restructured the current Credit Risk & Fraud Engine. • SEON Fraud rules testing and correction for false positives. • Automated black labeling of known fraudulent buyers and their corresponding data points. • Setting up the full back-testing matrix for fraud and credit assessment rule changes and impact analysis on the current portfolio. • Implemented the new Fraud Module rules for the improvement of acceptance of correct business buyers and their users. • Written the full Credit Risk Policy. • Data supplier API adjustments to increase acceptance rate and buyer user experience. • Debt Collection Agency case management clean-up for historical bad debt.

• Responsible for setting up (from the start) a full credit risk policy and automating credit risk and fraud assessment. • Ongoing review of buyers' and merchants' financial health - providing feedback to merchants about possible credit limit options to prevent loss of sales. • Implementing credit risk insurance through existing relations, providing the company with coverage against non-payment/fraud/bankruptcy of their business buyers. • Maintained strong relationships with external partners such as alternative payment providers, insurance companies, brokers, external software developers, fraud solutions, credit data providers, and financial management tools. • Played a pivotal role in new product development initiatives by assessing associated risks and offering viable recommendations for improvement. • Contributed to the ongoing enhancement of credit risk management frameworks by staying current on emerging trends and sharing insights with colleagues, updating credit risk policy on an ongoing basis, and analyzing new risk settings (account takeover, OTP bypass, identity theft). • Optimized the credit limit-setting processes by analyzing historical data and incorporating market trends for existing customers and new prospects, whilst at the same time providing feedback to the commercial team about the financial health of prospective business buyer portfolios. • Ongoing improvement implementation in credit risk evaluation by automating manual tasks and updating credit risk policy with new data point assessments. • The main point of contact for the operational team and insurance company in regard to non-paying customers and providing quarterly updates on current outstanding challenges and or specific cases. • Data costs analysis vs data value - continuously analyzing quality of data vs cost of data to improve outcomes, and reduce overall spending. • Responsible for all accounting tasks related to finance (P&L, Balance Sheet, Cash-flow, Revenue Reporting), Tax Fillings, Month-End and Annual Financial Closing. • Collaborated with cross-functional teams for effective management of high-risk accounts, minimizing losses.

• Perform and oversee operations for EU merchants, including bank settlements and ad hoc finance tasks. • Implement control management, financial liability, and compliance controls. • Management reporting for senior management. • Design and implement an overall finance management process for the European organization, which includes an analysis of financial impacts. • Perform and oversee assessments for the European organization, analyzing current risks and identifying potential risks that are relevant to the company, and evaluating legal and budgeting requirements to mitigate risk. • Promote collaborative working relationships with senior management and other stakeholders. • Control implementation for the Global Card Program (US/CA/EU). • Main point of contact for the EMI license application with the Dutch National Bank (DNB). • Main point of contact for EU banking relations.

• Escrow banking manager. • Support point of contact for main PSP/Acquiring/banking partners (BNP Paribas, PayVision, PPRO, Truevo, Trust Payments, Dalenys, Adyen, Buckaroo, Pay.nl, EmerchantPay). • Recurring payment re-consolidation and refund/charge-back management. • Exposed risk management for all (high-risk) merchants. • Revenue and pricing manager. • FX management, balance sheet reconciliation. • Charge-back re-consolidation and solution supervision. • Daily incoming and outgoing payments audit, and reconciliation of banks. • Control collection and coding of reimbursement of staff expenses. • Ensure adequate controls are in place to support the accounting functions. • Reconcile creditors outstanding to the general ledger. • AP / AR management, responsible for 4 legal entities. • Cash-flow forecasting. • Main point of contact for management and other account reconciliations as required.

• Full account management, renewal of contracts as well as managing daily DSO reports. • Established 1.2 Million EUR in new sales growth, on top of customer retention. • Performed revenue analysis for management. • Implement price fee structure reporting. • Acquiring new sales leads. • Assisting marketing in generating new business. • Negotiating bad debt insurance fees. • Leading a team of 2 people. • Performed assessment of credit risk per customer.

• Responsible for the collections of +90 days invoices and the follow-up on bad paying clients for all of The Netherlands. • Transfer of financial information and knowledge to colleagues in the current 63 locations. • Client contact by telephone, mail, and writing. • First point of contact for Country Director, Financial Director, and 5 Area Directors regarding client-related issues. • Main point of contact for external debt collections agency, including full file preparation and handover of debt. • Process improvement manager in cooperation with the Group and setting up new collection strategies. • Finalizing bankruptcies and lodging debt for curator approval to claim back VAT. • Debt / Risk analysis for management related to current and future sales, including contract evaluation.