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Dzenita Kicic is a seasoned professional with expertise in strategic planning, research, team leadership, and management consulting. With a Master of Business Administration (M.B.A.) from SAA - School of Management, Università di Torino, and a Diploma of electrical engineering from Faculty of electrical and machanical engineering in Tuzla, she has a strong foundation in finance, banking, and electrical engineering. Her experience spans over 15 years, with stints at various organizations, including Habitat for Humanity International, FUNDAMENT LLC, Freelance Consultant, and MI-BOSPO.

Experience

    • Housing Finance Consultant
      • Sep 2020 - Present
      • Global
    • Bosnia and Herzegovina
    • Business Consulting and Services
    • 1 - 100 Employee
    • Business Development Executive and Financial Inclusion consultant
      • Jan 2019 - Present

    • Coordination and monitoring of the HFHI TCIS technical assistance projects in ECA region
      • Jan 2019 - Dec 2019

      Coordination and monitoring of 15 TA projects in Albania, Moldova, Bosnia and Herzegovina, Romania and the Institutional Assessment in Kazakhstan.

    • Legal Services
    • 1 - 100 Employee
    • Senior Microfinance consultant
      • Jul 2009 - Present

      Consultancy/Adviceries/Trainings for different clients such as: Habitat for Humanity EMEA, LIDER MKF Sarajevo, Agroinvest Fond d.o.o. Belgrade, Serbia (Microfinance project of World Vision International USA); Factor d.o.o. Sarajevo, B&H, CHF International (Cooperative Housing Foundation- present Global Communities) & IFC project, USA;Project “Introducing Entrepreneurship skills for ’women in business’ in rural areas of B&H”, EBRD - TAM BAS project in B&H, Technical Advisor, MFI Alter Modus, Podgorica, Montenegro.

    • Senior Operations Consultant
      • Jun 2011 - Apr 2012

      Provide support to senior management in a process of branch network restructuring, developed credit policy and procedures, advancing risk management and internal control systems, MIS development project management, etc.

  • Te Produkt doo
    • Sarajevo, Bosnia and Herzegovina
    • Business Consultant
      • Jun 2019 - Jan 2020
      • Sarajevo, Bosnia and Herzegovina
    • United States
    • Non-profit Organizations
    • 700 & Above Employee
    • Microfinance Market Sector Study
      • Apr 2019 - Sep 2019

    • Development of Housing Support Services for Mongolian Households in Transcapital Mongolia
      • Mar 2019 - Aug 2019

      Client: Habitat for Humanity AP- Support Marketing and Communications for Housing Loan Product - Oversee Cost Estimation Training - Pilot-test Preparation and Pilot Test- Monitoring and Evaluation

    • Specialist, Financial Inclusion & Capital Markets for Europe and Central ...
      • Feb 2015 - Jan 2019
      • Slovak Republic
    • Operations Manager at Agroinvest Fond Belgrade
      • Apr 2012 - Nov 2014
      • Belgrade, Serbia
    • Legal Services
    • 1 - 100 Employee
    • Trainer for Credit Assessment and Delinquencyu Management
      • Oct 2010 - Jan 2011

      Provided 4 training to the credit staff of Agroinvest Fond, Serbia and Agroinvest, Montenegro, World Vision International microfinance facilities.

    • Senior microfinance technical advisor for Lider MCF in Bosnia and Herzegovina
      • Apr 2010 - Oct 2010

      - Support the General Manager to review Lider’s current credit review and approval policies and procedures, focusing particularly on loan evaluation and credit committee procedures- Assist in implementing operational and organizational changes as recommended by the delinquency consultant - Help create appropriate Incentives –Disincentives for lending and collections staff- Train new staff including new branch managers, collections officers, and internal auditor- Deliver refresher training to loan officers, focusing in particular on cash flow analysis and business analysis, and create a systematic ongoing training plan for new and current loan officers. Further trainings towards the end of the consultancy may be required. - Serve as a mentor and coach to middle management and credit staff

  • Freelance Consultant
    • Sarajevo, Bosnia and Herzegovina
    • Trainer in TAM BAS EBRD Project
      • Nov 2009 - Dec 2009
      • Sarajevo, Bosnia and Herzegovina

      TAM BAS PROJECT “Introducing Entrepreneurship skills for ’women in business’ in rural areas of BiH” - 20 women were trained using experimental learning methods for supporting and developing their competencies in order to improve their business performance and achieve necessary management skills. ...

  • Freelance Consultant
    • Podgorica, Montenegro
    • Internal control technical Advisor in MFI Alter Modus, Montenegro,
      • Aug 2009 - Sep 2009
      • Podgorica, Montenegro

      Support establishment of Internal Control Systems Assessment of Credit Risk and NPL of a certain portfolioTraining of Internal Control Staff.

  • LOKmicro
    • Sarajevo, Bosnia and Herzegovina
    • Executive Director for loans
      • Apr 2007 - Jun 2009
      • Sarajevo, Bosnia and Herzegovina
  • Women for Women International
    • Sarajevo, Bosnia and Herzegovina
    • Operations manager
      • Dec 2004 - Apr 2007
      • Sarajevo, Bosnia and Herzegovina
    • Retail Art Supplies
    • 1 - 100 Employee
    • Credit Manager
      • Jul 2003 - Dec 2004

    • Regional Manager
      • Apr 2002 - Jun 2003

    • New Product Development Manager
      • Jul 2001 - Apr 2002

    • Loan Officer
      • Dec 1999 - Jun 2001

Education

  • 2007 - 2010
    SAA - School of Management, Università di Torino
  • 1995 - 1999
    Faculty of electrical and machanical engineering in Tuzla

Suggested Services

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Industry Focus. “Non-profit Organizations”

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