NATA EZHISHVILI
Tbilisi
Summary
Highly accomplished professional with over 13 years of expertise in risk management within the retail banking sector and an additional 6 years in telecommunications sales. Demonstrated success in effectively managing risks and implementing strategies to mitigate potential threats, resulting in improved financial performance and operational efficiency. Proven ability to analyze complex data, identify trends, and make informed decisions to drive business growth. Adept at building strong relationships with clients and stakeholders, leveraging exceptional communication and negotiation skills to achieve mutually beneficial outcomes. Committed to delivering exceptional results and contributing to the success of organizations in the banking & finance and telecommunications sectors.
Overview
20
20
years of professional experience
1
1
Certification
Work History
Co-Founder
Georgian Tsalami
10.2024 - Current
- Spearheaded business development and market expansion strategies.
- Built and managed B2B sales and marketing initiatives to drive growth.
- Streamlined operations and optimized supply chain processes for maximum efficiency.
- Developed export strategies and established global partnerships to enhance market reach.
Business Analysis Manager/ Retail & SME Banking/Financial Analyst
TBC Bank
04.2024 - 11.2024
- Conduct financial and business analyses to optimize retail planning and strategy.
- Develop and implement comprehensive sales plans, including forecasts and KPI reports for sales leaders, the CRO, and upper management.
Head of Retail Sales
Skytel
04.2018 - 04.2024
- Company Overview: Telecommunications
- Own all plans and strategies for developing business and achieving the company's sales goals
- Assists in the development of the sales plan
- Prepares forecasts and KPI reporting for the sales leaders, CRO, and upper management, for use in organizational planning, financial forecasting, budget setting, and strategic planning
- Manage and grow revenue
- Monitoring ARPU and ARPA to boost revenue performance
- Product development, Project management, and Digital Sales
- Lead, inspire, and manage a high-performing team
- Telecommunications
Head of Retail Controlling
Liberty Bank
03.2015 - 01.2018
- Company Overview: Banking & Finance
- Assessment and monitoring of automatic product approval system performance, to identify potential errors and mismatches in automatic algorithms and data;
- Review and monitoring of new product implementation process for automatic and semiautomatic retail lending products;
- Review and monitoring of banks' lending modules, repayment modules, overdue repayment systems, and records and data tracking -to identify gaps, human errors as well as potential technological errors and mismatches;
- Identify potential gap-s human errors as well as fraud cases and alerts for such cases with bank's retail lending transactions;
- Other assignments related to reporting, on-the-site controlling visits, managerial tasks, and related as assigned by line management
- Banking & Finance
Senior Credit Risk Analyst
Liberty Bank
07.2012 - 03.2015
- Company Overview: Banking & Finance
- Appraisal and assessment of retail loan applications to identify clients credit worthiness and repayment capacities
- Decision-making (approval or rejection) on loans within personal approval limits
- Monitoring and coordination of loan issuance process for approved loans;
- Submission of Underwriter report and loan application to various Credit Committees (above personal limit);
- Other assignments related to reporting, portfolio quality management, and related as assigned by line management
- Banking & Finance
Coordinator of Regional Retail Lending
Liberty Bank
02.2011 - 07.2012
- Company Overview: Banking & Finance
- As the coordinator of the Regional Retail Lending Department, my responsibilities included promoting the bank's retail lending products, such as payroll loans, credit cards, mortgage loans, and others
- Banking & Finance
Problem Loans Coordinator
Liberty Bank
01.2010 - 02.2011
- Company Overview: Banking & Finance
- Analysis and restructuring of overdue loans
- I also managed the legacy loan portfolio that had delinquent loans, monitored and collected problem loans, and carried out various assignments related to reports and coordination of litigation processes against delinquent borrowers assigned by the Head Office
- Successfully managed and coordinated a team of regional branch employees
- Banking & Finance
Senior Loan Officer
Bank of Georgia
05.2006 - 12.2009
- Company Overview: Microlending Unit
- Conducting financial and business analysis for prospective borrowers' businesses and preparing loan projects with financial and business interpretation
- Analyzing operational, technical, and financial risks associated with credit disbursement
- Submitting over a thousand credit applications for the Bank Credit Committee
- Preparing complete legal documentation related to the loan disbursement process for approved loans
- Managing and monitoring a personal credit portfolio, including verifying the loan purpose and monitoring repayments
- Approving loans and participating in the Credit Committee after being promoted to senior loan officer
- Microlending Unit
Deposit Sales Manager
ProCredit Bank Georgia
09.2005 - 05.2006
- Maintains new and existing deposit relationships
- Consistently provides exceptional service levels to clients, emphasizing professionalism and responsiveness
- Presents the bank's requirements and account opening processes in a clear and comprehensive manner
Intern/assistant to Head of committee
Parliament of Georgia
10.2004 - 04.2005
- Responsibilities include managing legal documents, organizing training, and completing tasks assigned by the committee
Education
Master's Degree - Business Administration Economics
Iv. Javakhishvili Tbilisi State University
01.2006
Bachelor's Degree - Marketing Marketing
Iv. Javakhishvili Tbilisi State University
01.2004
Secondary School - intensive course
Fachhochschule Munchen
01.2000
Skills
- Team Leadership
- Data Analysis
- Risk Management
- Portfolio Management
- Sales Management
- Strategic Negotiation
- Business Strategy
- Teamwork
- Strategic planning
- Effective communication
- CRM proficiency
Certification
- Data science (pandas)-kaggle
- Advanced Sales Management, International Sales Institute
- Business Development Masterclass, Liberty Bank
- Overdue Loan Management, Liberty Bank
- Data Analytics course, Online Academy
- Microsoft Advanced Excel, Online Academy
- Leadership techniques, Online course
Languages
Georgian
Proficient
C2
German
Advanced
C1
English
Upper intermediate
B2
Russian
Intermediate
B1
Additional Information - Linkedin
https://ge.linkedin.com/in/nata-ezhishvili-b7005414a
Timeline
Co-Founder
Georgian Tsalami
10.2024 - Current
Business Analysis Manager/ Retail & SME Banking/Financial Analyst
TBC Bank
04.2024 - 11.2024
Head of Retail Sales
Skytel
04.2018 - 04.2024
Head of Retail Controlling
Liberty Bank
03.2015 - 01.2018
Senior Credit Risk Analyst
Liberty Bank
07.2012 - 03.2015
Coordinator of Regional Retail Lending
Liberty Bank
02.2011 - 07.2012
Problem Loans Coordinator
Liberty Bank
01.2010 - 02.2011
Senior Loan Officer
Bank of Georgia
05.2006 - 12.2009
Deposit Sales Manager
ProCredit Bank Georgia
09.2005 - 05.2006
Intern/assistant to Head of committee
Parliament of Georgia
10.2004 - 04.2005
Bachelor's Degree - Marketing Marketing
Iv. Javakhishvili Tbilisi State University
Secondary School - intensive course
Fachhochschule Munchen
Master's Degree - Business Administration Economics
Iv. Javakhishvili Tbilisi State University
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