Joanna Miśkiewicz
Stare Babice
Summary
Experienced senior risk manager with 20+ years experience in the financial services sector on the EU market, responsible for risk management of loan book over EUR 20bn. Proven track record in development and implementing comprehensive risk framework and strategies, management of multi product and risk-diversified retail and SME/Corporate credit portfolios, development and management of product strategies ensuring growth and long term profitability. My leadership has fostered cross-functional collaboration, driving results and innovation in financial products and risk management.
Overview
25
25
years of professional experience
Work History
Head of Global Product Strategy
Vodeno
01.2024 - Current
- Development and execution of global product strategy in alignment with the company's goals and market trends, ensuring long-term viability and competitiveness.
- Conduct thorough market research and analysis to identify customer needs, market trends, fit and competitive landscape, providing insights to strategic product decisions.
- Define and prioritize features and enhancements based on market research and feedback, creating a comprehensive and innovative product roadmap to guide development efforts.
- Collaborate with various stakeholders including in particular product engineering, marketing, sales, finance, legal & compliance to ensure alignment of product strategy with execution and go-to-market plans.
- Establish key performance indicators (KPIs) to measure the success of the product strategy, regularly evaluating performance against goals and adjusting strategies as needed to optimize outcomes.
Head of Lending Products
Vodeno
01.2023 - 12.2023
- Development and execution of lending road map in BE, DE, PL and SE in alignment with the company's goals and strategy.
- Designing and implementing end-to-end credit products and processes to service and maintain during the lifetime with the highest market standard from customer value, platform and business scalability and profitability perspective.
- Ensure compliance of lending products with EU regulatory requirements and standard , monitor and plan product development road map in line with regulatory changes.
- Supporting commercial teams in relationships with key customers to develop, implement, scale and grow with lending solutions.
- Monitoring and reporting of lending products KPIs and SLAs.
Head of Credit Risk
Aion
06.2019 - 12.2022
- One of the co-founder responsible for designing, development and launch of banking as a service platform in the area of lending products and credit risk strategy and framework for EU markets.
- Developing and implementing underwriting and monitoring policies, risk measurement tools including risk assessments, limits for key risk indicators, stress testing and loan loss provisioning.
- Developing a risk reporting framework, monitoring standards of credit assets performance, KPIs and EWS tracking.
- Designing and implementation of collection procedures and strategies.
- Conducting regular risk assessments, stress tests, and scenario analyses to identify warning signals and develop risk mitigation plans. Prepare and present risk reports to the Board of Directors and regulatory authorities.
- Developing relationship with external vendors supporting credit risk processes on EU markets, including local credit bureaus, databases providers, identity and fraud verifications, debt collecting agencies.
- Close cooperation with the commercial and finance team in building business models for new markets and customers in the area of lending solutions.
Executive Managing Director, Credit Risk Division
Alior Bank
01.2009 - 11.2018
- Responsible for strategic parameters of Group risk appetite for Micro, SME and Corporate (Provisions, PD, NPE, NP, CoR, LGD) and profitability of portfolio (ROE).
- Chairmen of Bank's Credit Committee, Member of Risk Management Committee and ICAP.
- Supervision over Micro, SME and Corporate loan processes, collaterals, Banks and Insurers risk and limits, financial and treasury institutions, including counterparty risk management
- Responsible for cooperation with external auditor, rating agency and PFSA - Team member of securitization project as part of capital optimization.
- Before promoting, as MICRO and SME credit director and credit policy director responsible for:
- Supervision over Micro, SME and Corporate loan processes, collaterals valuation and monitoring, Banks and Insurers risk and limits, financial and treasury institutions, including counterparty risk management.
- Supervision of credit risk area in leasing subsidiaries
- Responsible for cooperation with external auditor, rating agency and PFSA.
- Set up of credit policy for Micro, SME and Corporate clients, including regulations and credit methodology framework
- Designing and implementing scoring and rating models used in granting and monitoring processes.
- Building and administration of credit decision tools and systems.
Senior Manager, Project and Property Finance
Santander Bank (BZ WBK)
01.2008 - 12.2008
- Negotiations and structuring of project financing in area of structured syndicated financing and commercial property financing.
- Preparing business case, credit applications and loan documentation and presenting it to bank decision corporate bodies.
- Negotiating and signing legal contracts with customers, verifying CP's before signing or loan disbursement.
Credit Risk Manager
Peako Leasing (UCI Group)
01.2000 - 12.2007
- Credit risk analysis of leasing projects, preparing applications and documentations for Credit Risk Committee.
- Periodical quality review of leasing portfolio.
- Implementing credit tools and policies in cooperation with parent Bank Pekao S.A., regarding granting, monitoring and impairment methodologies.
- Negotiations and structuring of leasing agreements for large ticket clients, preparing credit applications and loan documentation, monitoring of leasing portfolio.
Education
Master of Science - Accounting And Finance
Łódź University
Łódź, Poland06.2020
Advanced Management Program
Universidad De Navarra, Business School
Pamplona / Warsaw05.2016
Strategic Intelligence And Leadership
ICAN Institute, Harvard Business Publishing
Warsaw, Poland02.2013
Skills
- Strong leadership, highly skilled in leading multidisciplinary teams
- Result oriented
- Communication and cooperation skills
- Problem solving
Timeline
Head of Global Product Strategy
Vodeno
01.2024 - Current
Head of Lending Products
Vodeno
01.2023 - 12.2023
Head of Credit Risk
Aion
06.2019 - 12.2022
Executive Managing Director, Credit Risk Division
Alior Bank
01.2009 - 11.2018
Senior Manager, Project and Property Finance
Santander Bank (BZ WBK)
01.2008 - 12.2008
Credit Risk Manager
Peako Leasing (UCI Group)
01.2000 - 12.2007
Master of Science - Accounting And Finance
Łódź University
Advanced Management Program
Universidad De Navarra, Business School
Strategic Intelligence And Leadership
ICAN Institute, Harvard Business Publishing
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