Susana Spanoche-Ianko

Strategic banking executive with 19 years of leadership across pan-European financial institutions, fintech platforms, and alternative credit markets. Proven track record in multi-billion-euro portfolio investments, operational transformation, and regulatory governance across 20+ European markets. Recognized for building greenfield operations, leading cross-border teams, and translating board-level strategy into scalable, compliant business platforms.

Managing Director at Welle Consulting AS (2014-10 – Present)

Welle Consulting AS is a risk management, investment strategy and financial consultancy company

• Founded and lead a consulting firm specializing in risk strategy, NPL investments, and operational transformation
• Advise senior leadership and boards on portfolio strategy, regulatory compliance, and governance frameworks across European markets
• Design and implement risk and investment frameworks, improving portfolio performance and capital efficiency
• Support NPL portfolio transactions, including valuation, due diligence, and investment decision frameworks

Head of Collection Strategy / Group Operations at B2 Impact ASA (2019-01 – 2025-12)

B2 Impact ASA is Pan-European debt management company specializing in the acquisition and servicing of non-performing claims across Europe.

• Designed and implemented (ongoing) Group Allocation of Cost to Collect methodology, aiming to reduce overall Cost to Collect by 4% Group-wide, and up to 30% in key units and processes
• Redesigned debtor negotiation strategy, increasing payment rates by 20% while significantly reducing re-default rates across key portfolios
• Built group-wide governance architecture across 20+ entities, aligning with EU regulatory standards
• Successfully established greenfield operations in Greece and Cyprus

Investment Director at B2 Impact ASA (2015-10 – 2018-12)

B2 Impact ASA is Pan-European debt management company specializing in the acquisition and servicing of non-performing claims across Europe.

• Developed a risk-based investment framework, used as Group's basis for investment decisions in terms of NPL portfolios, market growth (acquisitions and green operations)
• Valuated 100+ NPL portfolios and supported acquisition of multi-billion euro unsecured portfolios across Europe

Sr VP Risk management at Lendico GmbH / Rocket Internet Group (2014-02 – 2015-10)

Lendico GmbH is A German digital lending platform / P2P providing financing solutions to private individuals and small and medium-sized enterprises (SMEs).

• part of initial management team, driving the growth of the Fintech company to become a successful market player in more than 12 countries across Europe and Africa, before being acquired by Deutsche Bank

Head of Analytical Developments at Raiffeisen Bank International (2013-01 – 2014-02)

Raiffeisen Bank International is an Austrian banking group present in over 17 European countries, offering corporate, retail, and investment banking services.

• led a team of 10 analysts responsible for all analytical developments across the Bank, including AI & ML modelling, ICAAP/ILAAP, RWA and EC calculations and optimization, yearly budgeting activities with portfolio profitability forecast, capital and liquidity assessment and portfolio growth strategy

Risk Director at Raiffeisen Bank International (2009-04 – 2012-12)

Raiffeisen Bank International is an Austrian banking group present in over 17 European countries, offering corporate, retail, and investment banking services.

• decreased capital requirements by 2.3 mln EUR by implementing IRB approach in selected entities (Croatia, Serbia)
• developed and implemented risk-based pricing methodology, currently in use in all RBI Retail portfolios, that sets interest rates based on customer's risk profile
• business owner of several areas within Risk Management, such as Macroeconomic Stress Testing, Risk Based Pricing, Credit approval processes

Sr Risk Analyst at GE Capital (2007 – 2009)

DBA in Strategic Management – Swiss School of Business and Management, Geneve / Switzerland & Eurasian Management and Administration School, Moscow / Russian Federation (2027)

Certified Expert in Sustainable Finance – Frankfurt School of Finance & Management (2026)

Certified Internal Auditor – The Institute of Internal Auditors (2026)

MBA in Banking and Finance – Vienna University of Economics and Business, Vienna / Austria (2012)

MA in Economics – Central European University, Budapest / Hungary & New York State University, NY / USA (2007)

BSc in Mathematics and Computer Science – Ovidius University, Constanta / Romania (2005)