Hakan Karamanlı

- CEO of TAM Finans

Profile

About Hakan Karamanlı
After graduating from Bilkent University Department of Computer Engineering in 1992, Hakan Karamanlı started his career as Software Developer in İş Bank before his role in Anadolu Group as System Analyst in 1995. He worked in Garanti Bank taking various roles: System Specialist in 1997, Infrastructure and System Manager, Operations and Customer Services Manager, Platform and Applications Manager consecutively. As of 15.07.2014 he became EVP of Operations and IT and since 01.07.2015 he has been the EVP responsible of Credits, Intelligence and IT in Tam Finans. Hakan Karamanlı was awarded Premier 100 Technology Leadership Award by Computer World Magazine along with three awards successively in 2015-2017 by CIO Magazine. As of 11 June 2019, he has been CEO of TAM Finans.

Firm Profile
TAM Finans, established in 2002, is owned by ACTERA Partners Group (largest PE in Turkey) & EBRD holding a 9.5% shareholding.

It provides fast solutions to its clients across the country through its 39 branch network among 26 cities, using a total staff size of nearly 700 employees. It answers the short-term financing needs of the “untapped” micro SMEs with huge potential; most of them “unbankable” and are less sensitive to spreads, providing high margins for the business

In the last 6 years, TAM Finans:
• Received more than 100 B TL of factoring applications
• Approved 42 M TL transactions
• Realized 615K transactions with 105K different micro SME’s

TAM manages a diversified / a “balanced” funding pool using bank loans, bonds issued at Capital Markets and re-factoring transactions.

TAM Finans holds a strong “fintech” capability with in-house R&D Center by Ministry of Sci. & Tech. Effective use of integrated systems, automated processes & data analytics allow the Company to enjoy a clear leadership in market in terms of number of clients and number of transactions with an almost 40% market share.

KIOS, the scorecard designed in the R&D Center, uses its sub-scorecards and decision trees, evaluates and prices on an average of 2000 applications per day. 60% of the applications are evaluated without human intervention and the process is run by AI. KIOS & Predictive Intelligence processes enable TAM Finans to “filter” a large number of transactions coming through the door. The NPL ratio has been lower than 1% for 7 consecutive years.

Portfolio distribution is very diverse in terms of industry as well as geography with minimized exposure per customer & per drawer.

It has a proven, resilient financial track record in last six years despite volatile market circumstances with6-year back to back net income generation. The company has realized 70% growth in volume in 2021.