Experience

OTP Bank Romania

• Romania
• Banking
• 700 & Above Employee

• Senior Product Manager Lending

  • Oct 2020 - Present

  The main responsabilites are related to implementation of continuous improvements for private individual lending products and monitoring of profitability in order to have competitive products on the market.Personal achievements:- Simplificafion of the internal procedures used by the network- Redesign and re-lauching of the Overdraft product- Simplification of the support elements used by the networkMain responsabilities:- Monitor the goals set monthly and yearly- Coordonation together with team members in order to meet deadlines- Continuos collaboration with sales and risk teams in order to reach the targets- Design, align, approve and implement products processes and documentation



UniCredit Consumer Financing IFN SA

• Banking
• 100 - 200 Employee

• Team Leader Lending Products

  • Sep 2016 - Sep 2020

  The main responsabilites are related to implementation of new projects, new solutions for process simplification in order to have competitive products in the market for all partners: banking channel, retailers and auto dealersPersonal achievements:- Implementation of electronic signature- Simplification of product documentation and pricing structure- Improvement of campaign management process in order to use multiple channels in the communication with the customer- Design and implementation of online lending processMain responsabilities:- Monitor the goals set monthly and yearly- Train and give consultancy to the members of my team in order to meet deadlines- Establish together with the team the timeframes for the projects ongoing- Continuos collaboration with sales team in order to reach the targets- Design, align, approve and implement products processes and documentation

• Product Manager Cards

  • Nov 2014 - Sep 2016

  I was part of the team which started the credit card business in UCFin at the beginning of 2015. Personal achievements: - Launching of the credit card business for branch network and retail partners- Simplification of documents with one time visit of the customer in the branch for signing- Implementation of post selling activities at distance via phone or IVR (PIN set up, bonus points redemption, setting up an installment plan, closing the credit card facility)- Implementation of on boarding process and offers- Testing and implementation of the products in the Core system- Training for the sales force



UniCredit Bank Romania

• Romania
• Banking
• 700 & Above Employee

• Product Manager Private Individuals Lending Products

  • Jun 2010 - Nov 2014

  In the period June 2010 - April 2013 I was in charge with mortgage backed loans and overdraft.Personal achievements: - Implementation of legislative changes of OUG 50/2010 and Regulation 17/ 2011 with all their modifications- Design, testing and implementation of Prima Casa program- Part of the project team organized for the implementation and accomodation of lending products from RBS private individual potfolio- Implementation of an automatic process for granting overdraft facilities with an exposure exceeding 3 incomes- Design and implementation of renewal process for revolving facilities and card plasticOther responsabilities: - Portfolio management with focus on attrition- Product & pricing modification in order to be aligned with the strategy of the Bank and with the market practices- Implementation of small process modification implying also system modification and testing-Dedicated campaigns design, implementation and monitoring for sales increaseStarting with April 2013 I was in charge with credit card portfolio with main responsabilities as:- Increase product profitability throught campaign - Increase awarness on product benefits and features through dedicated actions.- Implementation of process simplification for the sales network

• Risk Manager - Retail Underwriting Private Clients

  • Jul 2005 - Jun 2010

  For a period of 5 years I swiched several positions from standard loans analyst, to non-standard loan analysis and approval, Team Leader and member of the optimisation team. Optimisation team was a small unit in Underwritting Departement involved in related activities to the credit process, such as feed-back and/or modification of the procedures, reporting and processes simplification.Personal achievements:- People management for 1 year as Team Leader- Implementation of the bridge loan- Part of a group project (Achieving Excellence in CEE Credit Process) as representative of my team with the responsability to design and implement loan approval powers at local level



CREDITEUROPEBANK

• Banking
• 1 - 100 Employee

• Cards Department

  • Sep 2003 - Jul 2005

  For almost 1 year I was part of Data Entry Team that represented a common hub for all application files, enforcing, from receiving to archiving, the entire Card Business Process.From August 2004 I was part of Credit Evaluation Team and I had to verify the files for completeness and accuracy, to analyze the files in order to propose a credit limit/reject them in compliance with the internal credit policy.Personal achievement: high number of application analysed For almost 1 year I was part of Data Entry Team that represented a common hub for all application files, enforcing, from receiving to archiving, the entire Card Business Process.From August 2004 I was part of Credit Evaluation Team and I had to verify the files for completeness and accuracy, to analyze the files in order to propose a credit limit/reject them in compliance with the internal credit policy.Personal achievement: high number of application analysed