Experience

bank99

• Austria
• Financial Services
• 100 - 200 Employee

• Senior Product Owner Financing

  • Dec 2021 - Present

  - Product management with agile end-to-end responsibility: features, pricing, risk steering, cross-selling, regulatory alignment, improvements in refinancing and sales - Field of activity: product development, management, controlling, processes, sales and customer communication in digital as well as branch channels - Leading and participating in projects - Implementing sustainable developments agenda, preparing and active proposal elaboration with solution proposals to the Mortgage Committee and the Pricing Committee Show less



UniCredit Bank Austria AG

• Austria
• Banking
• 700 & Above Employee

• Director Sales Operations

  • Aug 2014 - Nov 2021

  10/2017-01/2021 TEAM LEAD SALES - P&L responsible and deal maker for 400 customers in the greater Vienna area. Trains junior colleagues on risk issues. Elaborate, submit, execute financing applications (MEUR 0,1 - 20). Reviews commitments, restructures problem credits. Focus on mortgage. - Operating result in own portfolio increases by + 132%, capital-saving acquisition (incl. rescheduling, treasury, guarantees, leasing) - Reduces defaults by 40% through loan restructuring, cautious acquisition, well structured collaterals, incl. funding agencies Nöbeg, AWS, ÖHT 07/2014-10/2017 TEAM LEAD RISK STEERING - Checks systems and processes of risk management in 10 subsidiary banks. Examines regulations and models for credit risks. Responsible for rating systems, early warning models. Supervision of credit portfolios. Underwriting checks for AT, HU, CZ, SK, RO, BG (MEUR 0,1 - 20). - Produces 70 test reports. Enriches the early warning tool with a market risk model, accuracy increases by 37% - Negotiates, develops risk models for 10 subsidiary banks, reviews and controls credit portfolios 02/2021-11/2021 Ten months sabbatical leave. Finishes BA-diploma in Master of Business Finances, with focus on developer financing, and refreshing SCRUM and banking legal topics (HIKrG, BTVG, GBR). - Diploma exam resulted in 94%, cum laude Show less



UniCredit

• Italy
• Banking
• 700 & Above Employee

• Head Of Business Development

  • Oct 2006 - Aug 2014

  08/2010-08/2014 CEE Product Owner. End-to-end responsible for developing partly digital financing products for the 12 subsidiary banks. Team, systems and processes of retail banking and sales quality are improved. “Branch of the Future” implemented in BG, RO, HU. - Develops 5 products (4 of which are financing), supports subsidiary banks with: primary research, design thinking, product backlogs, personas - Redesign of price, interest and risk parameters, data management and compliance, CRM and 3rd-party audits 10/2006-08/2010 responsible for auditing and quality control & improvement of the services of 12 Eastern European subsidiary banks. On-site tests of central systems and local branch network. Further development of examination methods (DWH, call-center, sales trainings). - Budget responsibility (EUR 8.1 million), supplier selection for advice and market research, cost reduction (37% / yr) - Develops test programs for mystery shopping, service quality index, customer loyalty, corporate product use Implemented remote advisory and sales of mortgages in Contact Center (process, incentives, success fee model). Budgeting and cost control for banking projects. Working on commercial support of digital sales in Contact Center channel. Optimization and simplification of sales processes. Show less



Citi

• United States
• Financial Services
• 700 & Above Employee

• Head of Sales and Business Development

  • May 2003 - Sep 2006

  Pitch and launch of interface products and processes including: corporate, retail, 3rd party, call-center. Establishing co-branding products with airlines, telecom, hospitality and retail trade. Revision of the intermediary business. Heads product development and key account with a portfolio of innovative customers (80). Sales increase 35%. - Structured WFM (Workforce Management) in the call center, especially complaint management and bonus models - Achieved sustainable revenue increases in SMEs (CitiBusiness) and with upscale customers (CitiGold) Show less



GfK - An NIQ Company

• Germany
• IT Services and IT Consulting
• 700 & Above Employee

• Head Of Sales

  • Jan 1999 - May 2003



KPMG

• Canada
• Accounting
• 700 & Above Employee

• Senior Investment Consultant

  • Jan 1997 - Jan 1999



CZIPIN Produktivitätssteigerungs-GmbH

• Austria
• Business Consulting and Services
• 1 - 100 Employee

• Productivity Consultant

  • Jan 1995 - Jan 1997