Bondorian within the Highlight #41

Expensive readers, as we speak you possibly can be taught extra about Bondora Group’s Head of Credit score Danger, Tomas Bouska. He’s our forty first Bondorian within the Highlight and in addition the one Czech within the firm 🇨🇿

Tomas loves finishing duties, making certain we have now the best mechanisms to help our clients, and, after all, getting knowledge, knowledge, and extra knowledge!

Uncover extra concerning the rewards of his each day duties, what he loves most about working in Bondora, and the way he manages to work remotely whereas nonetheless being a valued group member.

The Bondorian Highlight #41 — Tomas Bouska

👨🏻Bondorian since Might 2022

🧭Function: Head of Credit score Danger

🔏Group: Credit score Danger

It has been thrilling! You possibly can at all times accomplish that a lot to impression the enterprise and the individuals round you positively.

Throughout my time at Bondora, we have now opened two new credit score markets, with a 3rd one simply across the nook. We have now established a strong Credit score Danger group, considerably improved how we handle Credit score Danger total, strengthened governance management, and, very importantly, began implementing a brand new Resolution Engine with a very new structure.

What does your typical workday appear like?

I often get up round 6:00, make myself a easy breakfast, an espresso, and a cappuccino—my morning kick-starter ☕Then I journey my motorbike to my small workplace house in Prague’s metropolis middle.

I arrive round 7:30, and the very first thing I do is jot down the duties for the day on a post-it notice. Every merchandise will get an empty checkbox subsequent to it—I really like the sensation of marking issues as finished! ✅Then, I’m going by new messages and test the most recent numbers. That’s the place my routine ends. After this, I often have some calls and sort out numerous points to make sure we attain our targets.

I work with a three-monitor setup, which helps me be extra productive. I often dedicate one monitor to communication instruments (Slack, Outlook), one to knowledge and analytical instruments (Databricks, Tableau, Excel), and the third to no matter else I would like (Jira, Confluence, and so on.).

What’s essentially the most rewarding a part of your job?

Seeing my group succeed, making an impression, and (my responsible pleasure)—discovering time to jot down some fancy code and deep dive into the information🧑🏻‍💻

And what makes being in Bondora superior?

Bondora is a spot of alternatives and nice individuals. And I imply it—nice individuals. Whereas Estonians are sometimes stereotyped as chilly and distant, my expertise at Bondora has been the exact opposite. I’ve by no means felt a scarcity of hugs or smiles once I’m within the workplace.

What does the Credit score Danger group do?

Lengthy story quick, we guarantee we challenge appropriate loans to the best individuals.

We analyze intensive and various knowledge, leveraging our experience and market expertise to develop credit score danger methods that optimize danger and assist us attain our profitability targets, all whereas appearing as a accountable lender inside the boundaries set by native regulators 📊

Finally, we guarantee our companies create worth for our clients and firm.

Greatest meme that sums up being the Head of Danger?

How do you establish credit score dangers for the corporate, and how you can keep away from them?

We don’t wish to keep away from credit score danger totally; it’s wholesome for a corporation to take dangers. Similar to in life, reward comes with danger. Nonetheless, these dangers must be managed appropriately.

The secret’s to grasp how a lot credit score danger an organization can take. This depends upon the precise enterprise mannequin, market scenario, and different components.

We can not work in isolation; our credit score danger methods should align carefully with the corporate’s targets, product and advertising and marketing technique, and lots of different components.

What’s the toughest a part of your job?

Working remotely 🌍

What’s your greatest funding recommendation?

💰 Good one! I invite everybody to come back and ask me for particular funding recommendation. Hear rigorously to what I’ve to say after which do the precise reverse 🤣

Truthfully, I don’t contemplate myself essentially the most competent funding advisor. However one piece of recommendation I’ll give to my youngsters—don’t gamble and make investments solely cash you recognize you gained’t miss not having.

What are a few of your hobbies? What do you love to do in your free time?

Primarily, the apparent: I spend my free time with household and pals. Aside from that, I began boxing about 20 years in the past, and it has caught with me ever since. It’s a good way to launch some stress and keep in form. I’ve different passions that assist me maintain going, too—woodworking, cooking, and brewing espresso. 🪵🍳☕

Do you may have any pets? Please share an image and a shaggy dog story.

Sure, we adopted a canine from a shelter about six years in the past. Her title is Finca, and she or he’s been our household’s hero, particularly after the youngsters have been born. She’s actually well-behaved, tremendous calm, and loves being round individuals.

At some point, we returned dwelling to search out Finca mendacity in her regular spot, eagerly ready for us. We greeted her warmly, however then we seen footprints embedded within the tender cushion cowl of the couch. It was clear that Finca hadn’t been as well-behaved as we thought!

One take a look at Finca, and she or he knew that we knew!

What are your favourite video games to play?

I’m not an enormous gamer today, however at times, my pals and I get collectively, have some drinks, and play Crash Group Racing on Xbox. 🏎️ It’s a easy and enjoyable racing sport the place your aim is to hit your opponents with objects like bowling balls and end first. Ooga-booga! Get outta my approach!

What’s your favourite TV present/podcast?

The Workplace, IT Crowd, and South Park will at all times make me snicker. Who Is America? is an incredible reminder that every of us lives in our personal bubble. I can’t choose only one.

What’s your favourite form of music?

That depends upon the event; I like variety. I’ll by no means flip off Large Assault, Gorillaz, or Quantic. However usually, I’ll take pleasure in listening to Dvořák’s Slavonic Dances as a lot as having enjoyable in a membership rocking to the dub rhythms of ‘Sixteen Tons of Strain’ from O.B.F.

Bacon: yay or nay? 

Pancettay 😜🥓