KAREL TER KUILE

PERSONAL DETAILS
Gender Marital status Date of birth Address Male Married November 11 1964 XXXXXXXXXXXXXX X XXXX XX XXXXXXXXXX The Netherlands Telephone number Cell phone number e-mail LinkedIn address +3171 889 22 36 +316 28 23 19 33 k.e.ter.kuile@hccnet.nl http://nl.linkedin.com/in/kuile

PERSONAL PROFILE
I recently did a MBTI test (Meyers Briggs Type Indicator) and found Im one of those rarest of breeds: the INTP (Introvert, iNtuitive, Thinking, Perceptive - Wikipedia). According to the test INTPs are rational, analytic, visionary, and pragmatic. I would have a long-term focus, have a knack for forming strategies, a voracious appetite for intellectual challenges as well as a broad interest and be very, very quick to spot underlying principles and patterns without getting entangled in irrelevancies. I find that I recognize most if not all of these traits in myself. In my career -so far- Ive always liked the analytic part, have been very apt at uncovering trends and underlying principles and also found that I very much enjoyed telling others about what I had found as well as advising on all the steps that we should take as a consequence. Luckily, I have a way with words; I can explain dauntingly complex ideas to others in the simplest of terms especially in writing.

Within a team I contribute by solving problems, focusing attention on main issues and suggesting ideas that will achieve both our short term as well as long term objectives. Also, Im very comfortable with technology. Im sure you know these people that are so musically talented, they can pick up any musical instrument that was entirely foreign to them -until that very moment-, only to carry a tune on it a mere five minutes later; well, thats me with software.

Looking at how my career in general has shifted from development and implementation of campaigns to the use of information, I feel very comfortable advising on appropriate solutions. My ideal job would be working with equally very, very smart people in all modesty- whether it is in Marketing or Financial Risk Management. Typically, I am at my most productive and effective in a staff function or in the role of an external consultant.

071 8 89 22 36 06 28 23 19 33 K.E.TER.KUILE@HCCNET.NL

PROFESSIONAL EXPERIENCE
SNS REAAL Group The Netherlands August 2007 March 2011 Consultant Risk Management Systems Focus on analytics and reporting, project management as well as technical consultancy with regards to Teradata database management and MS Office automation Responsibilities Prototyping reports predictive models Data-analysis In charge of user requirements Data warehouse Achievements Prototype SQL report business-clusters in default (technically very challenging; make up of clusters can vary each month) 12-hourly report on volatility in savings for Management GRM and CEO to monitor in- and efflux of savings (absolutely vital: relates directly to the solvability of any bank)

Banking Industry (7000 employees)

Project management integrating data from the Land Registry Office in the SNS Datawarehouse for Valuation Risk purposes

SNS Bank The Netherlands Banking Industry (3000 employees) August 2005 August 2007

Consultant Marketing Intelligence Focus on analytics and reporting as well as campaign management Responsibilities Target market analysis and segmentation Reporting and optimization advice on campaigns and datamarts

Campaign management

Achievements 68% gain in customer retention by the development of a churn model based on market analysis rather than the traditional post-segmentation analysis Campaign on woekerpolissen (comparable to the Endowment Mortgage Shortfall affair) with an initial transfer of 78% (on the one hand at no cost, but on the other making savings on possible damages claims in the future)

Linked intermediary contracts to customers in KIS (Customer Information System) by means of stealthy use of a DMcampaign (which was previously thought impossible)

Not-for-profit Ind. (250 employees)

Consumentenbond The Netherlands October 2003 October 2004

Marketing Services manager (temporary contract) Focus on restructuring DM-department, stopping loss of 13% of customer base yearly. Responsibilities Managing Direct Marketing department Author marketing plan Consumentenbond (GB equivalent: Which?) Campaign management

Target market analysis and segmentation

Achievements 13% overall cost reduction in DM activities

9 % improvement on response in DM-activities Churn reduction to a healthy 4% yearly Segmentation and marketingfocus on age cohorts

071 8 89 22 36 06 28 23 19 33 K.E.TER.KUILE@HCCNET.NL

PROFESSIONAL EXPERIENCE
Telecom (1300 empl.) debitel The Netherlands October 2002 September 2003 Segment manager SoHo (Small Offices & Home Offices) Focus on segmentation strategy and analytics Responsibilities Strategy development SoHo Target market analysis and segmentation Project management

Not-for-profit (250 empl.)

Nederlandse Kankerbestrijding/KWF The Netherlands

Manager Marketing Focus on managing DM-department, introduction of segmentation in marketing database, introduction of customer analytics Responsibilities Strategy development SoHo Target market analysis and segmentation Project management Achievements 64% gain in revenue on the major (September) campaign Integration of educational and fund-raising activities

January 2001 October 2002

Publishing ind. (19000 empl.)

Kluwer The Netherlands September 1998 January 2001

Marketer Focus on campaign management and trade marketing Responsibilities Strategy development Tax Consultancy Campaign management Trade marketing consumer tax guides

Publishing ind. (50 empl.)

SMD Educatieve uitgevers The Netherlands

Marketer resp. senior marketer Focus on campaign management and database marketing resp. managing DM-department

November 1994 September 1998 Responsibilities Managing DM-department vocational traing Project management CRM Campaign management

071 8 89 22 36 06 28 23 19 33 K.E.TER.KUILE@HCCNET.NL

EDUCATION
In May and November 2013 I will formalize my Financial Risk Management skills as I will take the Financial Risk Management (FRM) exams by GARP, the Global Assosciation of Risk Professionals. According to Wikipedia The FRM is a globally recognized benchmark certification program for financial risk managers, and is considered to be the de facto global qualification in the practice of financial risk management and FRM holders perform a broad variety of functions related to risk management within investment banks, asset managementfirms, as well as in corporations and government agencies. November 2013 GARP FRM
o o o o o

Jersey City, New Jersey, USA

Exam Financial risk management (FRM), part 2

Market Risk Measurement and Management Credit Risk Measurement and Management Operational and Integrated Risk Management Risk Management and Investment Management Current Issues in Financial Markets

Postdoctoral education

May 2013

GARP FRM

Jersey City, New Jersey, USA

o o o o

Exam Financial risk management (FRM), part 1

Foundations of Risk Management Quantitative Analysis Financial Markets and Products Valuation and Risk Models

Professional

NIMA A, SQL (Teradata), VBA Excel, VBA Access, VALEX, SPSS Clementine, SPSS Answertree, AnolisPro (Wegener), Financial Risk Management, AOB (NIBE/SVV) September 1994 University Leiden

Formal education

Leiden, The Netherlands

MA Economic History Leiden, The Netherlands

August 1987

University Leiden

BA History The Hague, The Netherlands

August 1985

Christelijk Gymnasium Sorghvliet

071 8 89 22 36 06 28 23 19 33 K.E.TER.KUILE@HCCNET.NL

SKILLS
Proficiency Office automation + VBA English French SAS SPSS SQL Expert Near native speaker Intermediate Intermediate Intermediate Expert

VOLUNTEER EXPERIENCE & CAUSES

January 2013 present June 2010 September 2012 March 2004 November 2007 Consultant fundraising Stichting Cathedral Organ Leiden Consultant CRM and Database Management Museum Kasteel Duivenvoorde Consultant fundraising Hooglandse Kerk Leiden, the Netherlands Voorschoten, the Netherlands Leiden, the Netherlands

071 8 89 22 36 06 28 23 19 33 K.E.TER.KUILE@HCCNET.NL