Nicoleta Remmlinger, a Multi-Award Winning Professional, Director of 4Most Analytics and Consulting
By Jules Lavallee
Nicoleta Remmlinger is a credit risk management advocate on a mission to help other women from different industries. She moved to the UAE, back in 2016, to support the launch of Etihad Credit Bureau (UAE federal entity). Though her assignment was supposed to be completed in one year, her previous employer, the Etihad Credit Bureau convinced her to stay longer, when she then decided to buy a house and build her family over here. She knew in and out how the credit risk assessment is performed, and that helped pass all the checks from the bank side and so, she bought her dream house in Dubai.
Nicoleta realized that she could use her expertise to make a difference, and therefore set out to explain to women how they can achieve financial independence. Using her knowledge of how credit data can have a huge impact, Nicoleta provides women advice on how they can improve their credit scores. She believes that every woman should have the financial information they need to choose and pursue their own goals, whether these be to progress their career, or spend more time with their family. Different from traditional cultures thinking, she doesn’t consider credit as a bad flag, but rather explains to women how to use the credit wisely and create a good credit payments history, which will allow them to pay their rent in installments, benefit from better interest rates, assure a mortgage and much more.
On the other hand, Nicoleta finds time for her clients to really understand the challenges, the requirements, before involving the wider team of experts, from the company she works with (4most), to assure her clients, mainly banks, are getting best services and meet regulatory compliance requirements.
Nicoleta Remmlinger, 4most’s Director with 13 years of industry experience and two years in a row winner of Entrepreneur of the Year at the “Women in Credit UK Awards 2022 and 2023”; 4most, an expert-led analytics consultancy with a global and local expertise, winner of “Best Management Consultancy Firm” in the UAE by the MEA Finance Awards 2022.
Having assisted 4most’s expansion in the Middle East since 2020, Nicoleta has made it her mission to encourage other women in the industry to speak out and make themselves heard!
Transitioning from entrepreneurial success to becoming General Manager of 4most UAE. What verticals do you serve and what sets 4most apart?
At 4most we cover two verticals: banking and insurance, risk related services and analytics. At 4most , nevertheless the project value (thousands or millions) we assign a dedicated team of subject matter experts, assuring delivery is in line with the agreed scope and assigned timeline. 4most is well known for its speed in addressing the matters (being either responding to a request of proposal or providing support after delivery or anticipating market needs) and for high retention of resources (assuring different projects can be delivered by same resource over years, enabling a deeper connection with the client, rather than just one time delivery approach).
Your advocacy for women’s financial independence and knowledge sharing in risk management was acknowledged by the ruler of Sharjah, UAE. Tell us about serving as a mentor and role model for inspiring entrepreneurs.
Perhaps I had this calling within (spreading awareness of credit risk assessment connects to my childhood dream to become a teacher) and I am glad I was courageous enough to listen to it. I was lucky enough to have several mentors during my career and now is my time to give back to the communities (schools, women, other industries’ professionals) and enable them with information that could improve their wellbeing.
Please share your strategic partnerships in the UAE.
We work with most of the largest banks in UAE as well with finance houses and digital banks. Our projects help banks to be compliant with CB UAE/ DFSA/ Etihad Credit Bureau authorities, improving banks profitability and assuring data protection is well addressed.
All you need to know about CREDIT SCORE and CREDIT RATING | B2B with Dr. Kiran
www.youtube.com/watch?v=QZbfIIQA3S4
What will people notice when working with you?
I am hard on deadlines including my own deadlines, I keep my word, I seek feedback (internally and from our clients) for future improvements.
What trends are you seeing?
In the banking industry upcoming year it’s going to be about ESG/ green financing implementation/ climate change risks integration with credit risk, following regulations published by many countries in the GCC. In this regard, 4most has a dedicated team in house, who delivered ESG/ climate change projects in UK / Europe, experience that will help GCC projects indeed.
Re-engineered Career: A conversation with Nicoleta Remmlinger
www.youtube.com/watch?v=KHxt1UEQorw
What is your vision for 2025?
At 4most , 2025 means expanding the team in the Middle East, continuing to deliver excellent services to our clients and growing our portfolio of customers. Step by Step To be the world’s go-to analytics consultancy. Personally, continuing to build long term relationships with existing and upcoming customers, spreading financial knowledge and last, but not least, spending time with my family.
