Pricey readers, in the present day you’ll be able to 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, guaranteeing now we have the correct mechanisms to assist our prospects, and, after all, getting knowledge, knowledge, and extra knowledge!
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 group member.
The Bondorian Highlight #41 — Tomas Bouska
👨🏻Bondorian since Could 2022
🧭Position: Head of Credit score Danger
🔏Staff: Credit score Danger
It has been thrilling! You may at all times achieve this a lot to affect the enterprise and the folks round you positively.
Throughout my time at Bondora, now we have opened two new credit score markets, with a 3rd one simply across the nook. We now have 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 Choice Engine with a totally new structure.
What does your typical workday seem like?
I normally 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 heart.
I arrive round 7:30, and the very first thing I do is jot down the duties for the day on a post-it be aware. Every merchandise will get an empty checkbox subsequent to it—I really like the sensation of marking issues as performed! ✅Then, I’m going by new messages and test the most recent numbers. That’s the place my routine ends. After this, I normally have some calls and sort out numerous points to make sure we attain our objectives.
I work with a three-monitor setup, which helps me be extra productive. I normally 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 forth.).
What’s probably the most rewarding a part of your job?
Seeing my group succeed, making an affect, and (my responsible pleasure)—discovering time to put in writing some fancy code and deep dive into the info🧑🏻💻
And what makes being in Bondora superior?
Bondora is a spot of alternatives and nice folks. And I imply it—nice folks. 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 Danger group do?
Lengthy story quick, we guarantee we concern appropriate loans to the correct folks.
We analyze in depth and numerous knowledge, leveraging our experience and market expertise to develop credit score threat methods that optimize threat and assist us attain our profitability objectives, all whereas performing as a accountable lender throughout the boundaries set by native regulators 📊
In the end, we guarantee our companies create worth for our prospects and firm.
Finest meme that sums up being the Head of Danger?
How do you establish credit score dangers for the corporate, and the way to keep away from them?
We don’t need to keep away from credit score threat solely; it’s wholesome for an organization to take dangers. Similar to in life, reward comes with threat. Nevertheless, these dangers have to be managed appropriately.
The hot button is to know how a lot credit score threat an organization can take. This depends upon the particular enterprise mannequin, market scenario, and different components.
We can’t work in isolation; our credit score threat methods should align intently 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 greatest funding recommendation?
💰 Good one! I invite everybody to return and ask me for particular funding recommendation. Pay attention fastidiously to what I’ve to say after which do the precise reverse 🤣
Truthfully, I don’t take into account myself probably 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 received’t miss not having.
What are a few of your hobbies? What do you love to do in your free time?
Primarily, the plain: 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 preserve going, too—woodworking, cooking, and brewing espresso. 🪵🍳☕
Do you will have any pets? Please share an image and a comic 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 had been born. She’s actually well-behaved, tremendous calm, and loves being round folks.
Someday, we returned house to seek out Finca mendacity in her typical spot, eagerly ready for us. We greeted her warmly, however then we seen footprints embedded within the comfortable 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 she or he knew that we knew!
What are your favourite video games to play?
I’m not an enormous gamer today, however from time to time, my pals and I get collectively, have some drinks, and play Crash Staff Racing on Xbox. 🏎️ It’s a easy and enjoyable racing sport the place your objective is to hit your opponents with gadgets like bowling balls and end first. Ooga-booga! Get outta my means!
What’s your favourite TV present/podcast?
The Workplace, IT Crowd, and South Park will at all times make me snort. 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 type of music?
That depends upon the event; I like variety. I’ll by no means flip off Huge Assault, Gorillaz, or Quantic. However generally, 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 Stress’ from O.B.F.
Bacon: yay or nay?
Pancettay 😜🥓
What superpower would you wish to have and why?
I wish to have the facility to make folks inform the reality. I wouldn’t use it a lot on folks round me, as I encompass myself with reliable folks. I’d be extra inquisitive about utilizing it on folks you usually see on TV or examine in newspapers—politicians, influencers, lobbyists. The world may very well be significantly better if some folks take the backseat!
What’s one thing that you simply need to do this scares you?
Someday, I’d wish to be dropped off on the height of a glacier and snowboard down the mountain! 🏂🏻
Thanks for following Tomas on his unimaginable Bondorian Highlight journey!
Tune in once more subsequent month to learn one other episode of The Bondorian Highlight and meet our 42nd Bondorian!
P.S. If you wish to turn out to be our subsequent Bondorian, head to our Careers Web page to take a look at our open positions.
