Bondorian within the Highlight #41

Expensive readers, as we speak you possibly can be taught 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, guaranteeing now we have the fitting mechanisms to help our clients, and, in fact, getting knowledge, knowledge, and extra knowledge!

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

The Bondorian Highlight #41 — Tomas Bouska

👨🏻Bondorian since Could 2022

🧭Position: Head of Credit score Threat

🔏Crew: Credit score Threat

It has been thrilling! You may at all times achieve this a lot to impression 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’ve got established a sturdy Credit score Threat workforce, considerably improved how we handle Credit score Threat general, strengthened governance management, and, very importantly, began implementing a brand new Determination Engine with a totally new structure.

What does your typical workday appear to be?

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 area 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 word. Every merchandise will get an empty checkbox subsequent to it—I really like the sensation of marking issues as accomplished! ✅Then, I am going by means of 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 targets.

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 on.).

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

Seeing my workforce 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 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 an absence of hugs or smiles once I’m within the workplace.

What does the Credit score Threat workforce do?

Lengthy story quick, we guarantee we challenge appropriate loans to the fitting folks.

We analyze in depth 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 throughout the boundaries set by native regulators 📊

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

Finest meme that sums up being the Head of Threat?

How do you identify credit score dangers for the corporate, and find out how to 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. Identical to in life, reward comes with danger. Nonetheless, these dangers must be managed appropriately.

The bottom line is to grasp how a lot credit score danger an organization can take. This relies on the particular 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 targets, product and advertising and marketing technique, and plenty 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 understand 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 mates. Apart from that, I began boxing about 20 years in the past, and it has caught with me ever since. It’s an effective 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’ve 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 folks.

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

What are your favourite video games to play?

I’m not an enormous gamer nowadays, however every now and then, my mates and I get collectively, have some drinks, and play Crash Crew 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 method!

What’s your favourite TV present/podcast?

The Workplace, IT Crowd, and South Park will at all times make me giggle. 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 sort of music?

That relies on the event; I like variety. I’ll by no means flip off Huge 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 Stress’ from O.B.F.

Bacon: yay or nay? 

Pancettay 😜🥓

What superpower would you prefer to have and why?

I want 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 fascinated about utilizing it on folks you usually see on TV or examine in newspapers—politicians, influencers, lobbyists. The world could possibly be significantly better if some folks take the backseat!

What’s one thing that you simply wish to do this scares you?

At some point, I’d prefer 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 42^nd Bondorian!

P.S. If you wish to change into our subsequent Bondorian, head to our Careers Web page to take a look at our open positions.