İrem Acar Çadırcı

To ensure the sustainability of corporate credit policies, effectively track and manage receivables.
Leads the credit risk management team to regularly monitor portfolio performance and ensure timely identification of potential risks.
By coordinating with commercial teams, contributes to the creation of appropriate campaigns aimed at risk control.
Collaborates with business partners to provide payment solutions and minimize risks. While developing credit scoring models, it generates insights into the credit risks and opportunities in the industry, producing solutions for business expansion demands and limit needs, and manages legal follow-up processes in collaboration with lawyers, while also regulating receivable insurance relationships.
Manages the process of controlling and monitoring guarantees and insurances.
Takes the lead in ensuring that customer information is compliant with KVKK processes.
Develops new payment systems and implements intelligence systems.
Contributes to the budget and cash flow processes in line with the needs of the finance department.
Plays an integral role in the development of strategic plans, incorporating credit risk considerations to ensure sustainable growth and profitability for the business.
As the Customer Compliance Manager, effectively manages compliance processes.

Controlled the credit risk of buyers by establishing the necessary departmental structure and monitoring performance with appropriate tools.

By managing the daily operations regarding limit assessment, bank guarantees, insurance, financial analyzing, limit assessment, risk monitoring, collections of the credit control team, I monitored team members' performance and provided development opportunities. Enhanced their knowledge by providing training on credit evaluation processes and risk management.
To ensure compliance with the company's credit policies, I conducted necessary controls, monitored customer credit files, and managed credit limit allocation processes.
By communicating with business partners, I informed them about credit processes and collected feedback.
Managed the receivable processes of customers' accounts and developed relationships with third parties.
Ensured the effective implementation of collection strategies and facilitated the sharing of targets with commercial teams.
Ensured that all processes were managed, monitored, and controlled in accordance with the Group Credit Procedure and Receivable Insurance Policy.
Coordinated with banks and financial institutions for the development and establishment of new collection systems.
Conducted credit management evaluations and reported to upper management. Additionally, strengthened intelligence processes and facilitated the integration of software and tools that support credit control processes, contributing to the digitization of these processes.

Managed the commercial receivables, limit allocation, and risk monitoring processes for two business units. By conducting financial analyses of individuals and commercials, we allocate credit limits based on scoring assessments.
Identified customer needs and developed financial solutions accordingly. In coordination with commercial teams, determined the limit needs of new and existing dealers, and made field visits.
Collaborated with other departments to resolve billing errors, ensuring timely payment from clients.
Took actions to ensure the secure management of receivable risks through follow-up processes.
Monitored guarantee letters and uploaded invoices to the Direct Debit System, ensuring proper tracking. By controlling customer financial data, performing credit risk scoring, and customer intelligence, ultimately classifying risks and determining insurance coverage.
Based on the follow-up of overdue debts, conducted updated risk assessments, and granted order approvals in compliance with credit management rules.
Tracked incoming payment operations, linking cheques, promissory notes, credit cards, and transfers to the relevant customer accounts. For overdue receivables, I communicated with commercial teams, contacted customers when necessary, and referred unresolved issues to lawyers.
Completed and tracked insurance claim notifications.
Collected periodic sales forecasts from the sales team and determined credit limits accordingly. Conducted monthly bank cheque and promissory note reconciliations, and quarterly customer reconciliations. Prepared bank instructions for cheque/promissory note operations and prepared monthly and weekly reports for the credit manager.

Reviewed and analyzed credit applications and associated risks through comprehensive research, documenting findings and making informed limit approval decisions. Conducted thorough financial analyses of customer financial statements to evaluate and finalize mortgage limit requests. Additionally, analyzed customer payment history and performed intelligence research to assess creditworthiness, while also conducting fraud checks and verifying security measures.

Measured collateral risk by reviewing appraisal reports and approving credit within established limits, and executed inquiries with the Credit Registration Bureau (KKB) to check for blacklisted individuals.

Investigated SABAS, MIDES, bounced cheque cases, and other KKB systemic notifications, ensuring a thorough risk and collateral analysis.

Collaborated with the IT Department to enhance system development, proposed innovative solutions, managed various projects, and conducted system testing to ensure efficiency and reliability.