Oscar TORAMAN, PMP, ITIL

Results driven, self starter and highly-motivated Credit Risk & Fraud professional, project manager/business analyst with strong interpersonal skills and 17 years diversified experience in telecommunication, energy, consultancy, FMCG and production industry. PMP, ITIL and 6 Sigma certified. Self-disciplined, organised and energetic professional with expertise in credit risk programs, payment systems and solution enhancement projects. Notable success overcoming challenges, combining my theoretical and practical experience to provide solutions to pressing problems and mitigation in the future. Passionate about credit risk sector and improvements in payment collection in the telecommunication and finance markets in agile environment. Vocus: Analyse, monitor and report on E2E credit risk and fraud within consumer and business divisions (both telco and energy), recommending credit policy changes, and identifying opportunities for risk containment and revenue enhancement. Credit Bureau (both Equifax and Experian) relationship management across all Vocus Brands. Lead team of off-shore (6 employees) risk and fraud analysts to maximise operational efficiency, effectively manage all credit related origination processes via using DP3 system and management/resolution of issues affecting timely credit assessments. Balance between bad debt and revenue growth from origination to write off. GreyScan Australia: Established critical processes, delivered business analysis and projects for both commercial and technical infrastructure and identifying risk. Worked closely with administration and scientific personnel. Experian: Delivered $45M “Credit Limit Assignment and Dunning Cycle” programme with more than 50 employees within multiple vendor environments and recognised by the company for these achievements. Innova: Achieved $11M cost-saving annual target delivering goals across two consecutive years. Univera: Analysed customer requirements in the first two months and created “FieldAgent Module” sold for $150k to 112 customers across Turkey, Europe, Middle East and Asia. Vodafone: Achieved 0,9% bad debt mitigation target (collection increase) annually which is $1,04B within 10 consecutive years at Vodafone. Recognised as a diligent employee with annual company awards three years in a row. Additionally, received two company awards for customer services and cost-saving initiatives. Achieved 30% improvement addressing critical problems within collection infrastructure systems over two year period.