Kerem Tomak

I’m a visionary yet hands-on entrepreneur with 20 + years of experience turning data, advanced analytics, and AI into profitable products and operational breakthroughs across financial services, retail /e-commerce, and technology. I’ve built global teams (0 → 350 staff), launched first-in-market cloud and GenAI programs, and delivered €- / $-hundreds-of-millions in incremental revenue, risk reduction, and cost savings for brands such as Decathlon, ING, Commerzbank, Google, Sears, and Macy’s.

Fractional Chief Data / AI Officer

1–2 day/wk executive advisory, OKR definition, org designEnterprise-grade AI roadmap, data-driven culture, C-suite alignment

GenAI Product Strategy & Prototyping

Use-case discovery, RAG/agent architecture, MVP build 8–12 week time-to-prototype, 3-year ROI model

Advanced Analytics / ML Solutioning

Model design & governance, MLOps, cloud migrationLift in CLV, fraud-loss reduction, real-time personalization

Board & Investor Advisory

Due diligence, AI risk oversight, KPI dashboardsConfident investment / governance decisions

AI & ML Leadership: GenAI, LLM fine-tuning, AutoML, computer vision

Digital Transformation: Hybrid-cloud data platforms, DevOps/ML-Ops, OKR-driven change

Product & Growth: CLV-based marketing, pay-per-use lending, data-monetization ventures

Governance & Ethics: Model-risk management, responsible-AI frameworks, regulatory alignment

Stakeholder Influence: Board-level storytelling, large-scale org mobilisation, talent mentorship

Industry Experience:

Financial Services / FinTech – cloud banking, fraud & KYC analytics, instant lending

Retail & E-commerce – omnichannel attribution, dynamic pricing, customer 360

Healthcare / Med-Tech – radiology-workflow automation, ICD-coding prediction

Technology Providers – go-to-market for AI/ML platforms, partner ecosystems

Experience:

• Global CDAO, Decathlon: Orchestrated a €268 M uplift via AI initiatives; rolled out GenAI tooling to 95 % of staff.
• CAO, ING: Built a unified analytics tribe, scaling fraud-detection savings to €200–300 k/mo and enabling 80 % automated lending decisions.
• CAO, Commerzbank: Launched Germany’s first cloud-based pay-per-use loan, generating €10 M / year; implemented CEO-fraud model preventing €100 M losses.
• Founder, MindspaceAI & med.essence: Delivering bespoke GenAI and radiology-automation solutions to European clients (94 % exam-prediction accuracy, 90 % ICD coding).

Education

• Ph.D. (Management IS) – Purdue University
• MIT AI/ML Professional Certificate
• 4 U.S. Patents in advertising & auction-algorithms; multiple patents pending
• Author: Learning AutoML (O’Reilly, 2026) and Practical AI Agents (Apress, 2026)

Frequent keynote speaker (Hortonworks Data Summit, IIF, WSJ events) and board member (BCC Group International, Keiretsu Forum London).

End-to-End Ownership: From strategy to production deploy with measurable ROI.

Cross-Functional Fluency: Equally comfortable in the boardroom, with engineers, or with regulators.

Speed & Pragmatism: Lean prototypes in weeks; scalable solutions without vendor lock-in.

Mentorship & Enablement: I upskill your team so capability persists after delivery.

Based in Amsterdam (UTC +2) and available worldwide.

Message me to discuss how we can turn your data and AI ambitions into tangible business value.