Cansu Sayar Derçin
Istanbul
Summary
Experienced leader with strong background in guiding teams, managing complex projects, and achieving strategic objectives. Excels in developing efficient processes, ensuring high standards, and aligning efforts with organizational goals. Known for collaborative approach and commitment to excellence.
Overview
12
12
years of professional experience
Work History
Credit & Sustainability Risk Monitoring Manager
Garanti BBVA
02.2022 - Current
- Oversee the credit portfolio's overall health, preparing detailed reports and presentations for the Board, Risk Committees, and BBVA Holding to support informed decision-making
- Lead sustainability risk monitoring, including implementing PACTA, PCAF, physical/climate risk reports
- Establishment of sustainability data infrastructure to align global standards locally, ensuring the integration of ESG factors into credit risk analysis
- Conduct regular and ad-hoc analyses to monitor loan quality, calculating key risk indicators like vintage, roll rates, and IFRS9 metrics, and providing early warnings on potential risks in the portfolio
- Manage IFRS9 model output monitoring, reporting significant shifts and trends to senior management
- Ensure compliance with regulatory requirements, handling EBA, BCBS239, and various local and group-level reporting, covering areas like loan origination and portfolio quality
- Act as local Product Owner for global BBVA projects, collaborating with international teams to implement group initiatives within Turkey, ensuring that local practices meet global risk and sustainability standards
Data Management and Coordination Senior Supervisor / Product Owner
Garanti BBVA
01.2020 - 01.2022
- Led credit risk data projects, managing scrum teams as Product Owner to ensure alignment with strategic goals for risk data management
- Acted as the primary liaison with the Credit Bureau (KKB), coordinating bank-wide data projects and ensuring compliance and alignment with industry standards
- Directed projects to renew retail and corporate risk data infrastructures, enhancing data accessibility and reliability for better decision-making
- Developed and enforced data quality rules, significantly improving the accuracy and consistency of the risk database
Credit Portfolio Analytical Monitoring Supervisor
Garanti BBVA
01.2017 - 12.2019
- Monitored and analyzed the loan portfolio, providing regular and detailed reports to the Board, Risk Committees and BBVA Holding
- Conducted in-depth analysis of key risk indicators, identifying and reporting early signs of deterioration, ensuring timely risk mitigation actions
- Supported global credit risk framework initiatives from BBVA Holding, contributing insights for budget planning and portfolio stability
- Acted as Product Owner for local implementations of global BBVA projects, facilitating alignment of Turkey’s credit risk management with international standards
Credit Analytics Associate/Supervisor
Garanti BBVA
12.2013 - 12.2016
- Tracked and reported the performance of the automated credit evaluation system, ensuring consistent credit quality
- Conducted comprehensive analyses across product lines, campaigns, and customer segments, informing policy and strategy adjustments
- Assessed the impact of policy and strategy changes on the loan portfolio, providing insights for proactive portfolio management
Financial Reporting Associate / Management Trainee
Garanti BBVA
08.2012 - 11.2013
- Prepared and submitted regulatory credit reports to CBRT, BRSA, and FinRep, ensuring compliance with local and international standards
- Compiled and verified credit data for the bank’s financial statements, providing accurate information for internal and external audits
- Partnered with business and technology teams to enhance reporting accuracy and data quality, ensuring reliable data across departments
Education
Master of Business Administration - Executive MBA
Boğaziçi University
09-2024
Bachelor of Science - Statistics
Middle East Technical University
06-2012
Skills
- MS Office
- Oracle/MS SQL
- Qliksense
- ChatGPT Enterprise
- Oracle BI
- Phyton
Languages
Turkish
Native language
English
Proficient
C2
Turkish
Proficient
C2
Timeline
Credit & Sustainability Risk Monitoring Manager
Garanti BBVA
02.2022 - Current
Data Management and Coordination Senior Supervisor / Product Owner
Garanti BBVA
01.2020 - 01.2022
Credit Portfolio Analytical Monitoring Supervisor
Garanti BBVA
01.2017 - 12.2019
Credit Analytics Associate/Supervisor
Garanti BBVA
12.2013 - 12.2016
Financial Reporting Associate / Management Trainee
Garanti BBVA
08.2012 - 11.2013
Master of Business Administration - Executive MBA
Boğaziçi University
Bachelor of Science - Statistics
Middle East Technical University