Bondorian within the Highlight #41

Pricey readers, right now you possibly can study extra about Bondora Group’s Head of Credit score Threat, 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’ve the suitable mechanisms to assist our prospects, and, after all, getting information, information, and extra information!

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

The Bondorian Highlight #41 — Tomas Bouska

👨🏻Bondorian since Could 2022

🧭Function: Head of Credit score Threat

🔏Staff: Credit score Threat

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’ve opened two new credit score markets, with a 3rd one simply across the nook. We’ve got established a strong Credit score Threat staff, considerably improved how we handle Credit score Threat general, strengthened governance management, and, very importantly, began implementing a brand new Choice Engine with a totally 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 experience 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 observe. Every merchandise will get an empty checkbox subsequent to it—I really like the sensation of marking issues as executed! ✅Then, I am going via new messages and verify the newest numbers. That’s the place my routine ends. After this, I often have some calls and deal with varied points to make sure we attain our objectives.

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 information and analytical instruments (Databricks, Tableau, Excel), and the third to no matter else I would like (Jira, Confluence, and so forth.).

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

Seeing my staff succeed, making an impression, and (my responsible pleasure)—discovering time to put in writing 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 after I’m within the workplace.

What does the Credit score Threat staff do?

Lengthy story quick, we guarantee we situation appropriate loans to the suitable individuals.

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

In the end, we guarantee our providers create worth for our prospects and firm.

Finest meme that sums up being the Head of Threat?

How do you identify credit score dangers for the corporate, and tips on how to keep away from them?

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

The hot button is to grasp how a lot credit score danger an organization can take. This relies on the precise enterprise mannequin, market state of affairs, and different components.

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

What’s the toughest a part of your job?

Working remotely 🌍

What’s your finest funding recommendation?

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

Actually, I don’t take into account myself essentially the most competent funding advisor. However one piece of recommendation I’ll give to my children—don’t gamble and make investments solely cash you recognize you received’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 will have any pets? Please share an image and a joke.

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

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

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

What are your favourite video games to play?

I’m not a giant gamer as of late, however every now and then, my pals and I get collectively, have some drinks, and play Crash Staff Racing on Xbox. 🏎️ It’s a easy and enjoyable racing recreation the place your aim is to hit your opponents with gadgets 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 snigger. Who Is America? is an incredible reminder that every of us lives in our personal bubble. I can’t decide only one.

What’s your favourite form of music?

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

Bacon: yay or nay? 

Pancettay 😜🥓