Marinela Butorac

Finance and Accounting expert, Business development expert , Data Analyst, Budgeting for Start up @Independent Consultant

CroatiaBanking OperationsFinancial AnalystAccountantCFO🧨 Consulting🏦 FinanceFinancial PlannerBusiness AnalystAdvisorEngagement ManagerAssociate Partner

👋 Welcome! With over 𝘁𝘄𝗼 𝗱𝗲𝗰𝗮𝗱𝗲𝘀 𝗼𝗳 𝗶𝗻𝘁𝗲𝗿𝗻𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗳𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗹𝗲𝗮𝗱𝗲𝗿𝘀𝗵𝗶𝗽 𝗲𝘅𝗽𝗲𝗿𝗶𝗲𝗻𝗰𝗲, I've navigated complex landscapes and driven success for 𝗺𝘂𝗹𝘁𝗶𝗻𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗰𝗼𝗺𝗽𝗮𝗻𝗶𝗲𝘀, generating revenues 𝗲𝘅𝗰𝗲𝗲𝗱𝗶𝗻𝗴 €𝟭𝟱𝟬 𝗺𝗶𝗹𝗹𝗶𝗼𝗻. Specializing in optimizing operations for 𝗴𝗿𝗼𝘄𝘁𝗵 𝗮𝗻𝗱 𝗽𝗿𝗼𝗳𝗶𝘁𝗮𝗯𝗶𝗹𝗶𝘁𝘆, I excel in due diligence, 𝗠&𝗔 𝘁𝗿𝗮𝗻𝘀𝗮𝗰𝘁𝗶𝗼𝗻𝘀, 𝗮𝗻𝗱 𝗦𝗔𝗣 𝗙𝗜/𝗖𝗢 𝗺𝗼𝗱𝘂𝗹𝗲 𝗶𝗺𝗽𝗹𝗲𝗺𝗲𝗻𝘁𝗮𝘁𝗶𝗼𝗻𝘀. My forte lies in 𝗳𝗼𝘀𝘁𝗲𝗿𝗶𝗻𝗴 𝗵𝗶𝗴𝗵-𝗽𝗲𝗿𝗳𝗼𝗿𝗺𝗮𝗻𝗰𝗲 𝘁𝗲𝗮𝗺𝘀 𝘁𝗼 𝗱𝗿𝗶𝘃𝗲 𝗰𝗼𝗹𝗹𝗮𝗯𝗼𝗿𝗮𝘁𝗶𝗼𝗻 𝗮𝗻𝗱 𝗶𝗻𝗻𝗼𝘃𝗮𝘁𝗶𝗼𝗻, ensuring strategic objectives are met. I take great pride in some of my most significant accomplishments, which include: 🚀 𝗦𝗽𝗲𝗮𝗿𝗵𝗲𝗮𝗱𝗲𝗱 𝗦𝗔𝗣 𝗙𝗜𝗖𝗢 implementations in two companies, playing a pivotal role in the implementation teams ⚙️ 𝗘𝗹𝗲𝘃𝗮𝘁𝗲𝗱 𝗲𝗳𝗳𝗶𝗰𝗶𝗲𝗻𝗰𝘆 𝗯𝘆 𝟮𝟬% through process and procedure enhancements in Finance and Customer teams 💡 Engineered financial strategies, driving𝗱𝗼𝘂𝗯𝗹𝗲-𝗱𝗶𝗴𝗶𝘁 𝗿𝗲𝘃𝗲𝗻𝘂𝗲 𝗴𝗿𝗼𝘄𝘁𝗵 annually 🔍 Introduced regressive factoring to Croatian market, securing 𝘁𝘄𝗼 𝗺𝗮𝗷𝗼𝗿 𝗰𝗼𝗻𝘁𝗿𝗮𝗰𝘁𝘀 for receivable acquisition 📊 Maintained a flawless audit record, 𝗮𝗰𝗵𝗶𝗲𝘃𝗶𝗻𝗴 𝟭𝟬𝟬% 𝗰𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲 in all internal and external audits 💰 Contributed to𝟵𝟱% 𝗮𝗰𝗰𝘂𝗿𝗮𝘁𝗲 𝗮𝗻𝗱 𝗮𝗰𝗵𝗶𝗲𝘃𝗮𝗯𝗹𝗲 𝗯𝘂𝗱𝗴𝗲𝘁𝗶𝗻𝗴, revenue, and cash flow predictions at the CEE regional level Some of my key skills include: 🚀 Business development and market expansion 🔍 Project management and due diligence expertise in M&A transactions 💼 Proficiency in SAP, including implementation of FI/CO modules and testing CO modules ⚖️ Risk management , strategic planning, sprint planning and problem solving 📊 Creating financial statements, annual operating plans (AOP), and profitability reports 💰 Managing receivables, payables, and client relationships 🌐 Fluent in English, German, and Italian My passion for financial leadership, coupled with my problem-solving abilities and strong communication skills, allows me to drive tangible results and contribute to the success of organizations.

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Work Background

BFF Banking GroupBusiness Development Manager - Consulting

Mar. 2018Milan, Lombardy, Italy𝗠𝗮𝗿𝗸𝗲𝘁 𝗗𝗲𝘃𝗲𝗹𝗼𝗽𝗺𝗲𝗻𝘁: Since its inception, I've orchestrated market penetration strategies to bolster presence in Croatian Market, ensuring sustained growth and adaptability. 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗢𝘃𝗲𝗿𝘀𝗶𝗴𝗵𝘁: My implementation of robust financial controls optimizes operations, enhances profitability, and mitigates risks. 𝗥𝗶𝘀𝗸 𝗠𝗮𝗻𝗮𝗴𝗲𝗺𝗲𝗻𝘁: Through thorough due diligence, I foster secure client relationships, particularly negotiating contracts within the NHS sector to minimize risks and maximize opportunities. 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗰 𝗗𝗲𝗰𝗶𝘀𝗶𝗼𝗻-𝗠𝗮𝗸𝗶𝗻𝗴: As a pivotal decision-maker, I align NHS and PA sector activities with organizational goals, ensuring compliance with regulatory standards. 𝗖𝗿𝗲𝗱𝗶𝘁 𝗥𝗶𝘀𝗸 𝗠𝗮𝗻𝗮𝗴𝗲𝗺𝗲𝗻𝘁: Effectively managing receivables, I implement strategies for credit risk assessment, collection, and disbursement to maintain financial stability. 𝗖𝗮𝘀𝗵 𝗙𝗹𝗼𝘄 𝗠𝗮𝗻𝗮𝗴𝗲𝗺𝗲𝗻𝘁: Optimization of cash flow operations ensures seamless continuity and efficient resource allocation in the Croatian market. 𝗕𝘂𝗱𝗴𝗲𝘁𝗶𝗻𝗴 𝗮𝗻𝗱 𝗥𝗲𝗽𝗼𝗿𝘁𝗶𝗻𝗴: Spearheading budgeting initiatives, I generate comprehensive reports tailored to Italian shareholders, providing transparent insights into financial performance and strategic direction. 𝗟𝗲𝗴𝗮𝗹 𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲: Vigilant monitoring ensures compliance with local regulations, mitigating legal risks and upholding ethical standards. 𝗦𝘁𝗮𝗸𝗲𝗵𝗼𝗹𝗱𝗲𝗿 𝗘𝗻𝗴𝗮𝗴𝗲𝗺𝗲𝗻𝘁: I establish strong partnerships with shareholders and the management board, fostering collaborative relationships to align business strategies with organizational objectives. 𝗜𝗻𝘁𝗲𝗿𝗱𝗲𝗽𝗮𝗿𝘁𝗺𝗲𝗻𝘁𝗮𝗹 𝗖𝗼𝗹𝗹𝗮𝗯𝗼𝗿𝗮𝘁𝗶𝗼𝗻: Liaising effectively with legal, risk, project, and tax departments fosters synergies, ensuring cohesive organizational operations.

Zavod za istraživanje i razvoj sigurnosti d.o.o.Head of Finance, Controlling, and Accounting

Sep. 2017 - Feb. 2018Zagreb𝗣𝗿𝗼𝗰𝗲𝘀𝘀 𝗢𝗽𝘁𝗶𝗺𝗶𝘇𝗮𝘁𝗶𝗼𝗻: Spearheaded the transformation and implementation of streamlined processes, ensuring efficiency and effectiveness throughout the organization. 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗥𝗲𝗽𝗼𝗿𝘁𝗶𝗻𝗴: Oversaw month-end close procedures, meticulously recognized revenue and costs, and managed accruals to maintain accurate financial records. 𝗣𝗲𝗿𝗳𝗼𝗿𝗺𝗮𝗻𝗰𝗲 𝗔𝗻𝗮𝗹𝘆𝘀𝗶𝘀: Conducted monthly revenue and cost-benefit analyses, providing insightful narratives to drive informed decision-making. 𝗪𝗼𝗿𝗸𝗶𝗻𝗴 𝗖𝗮𝗽𝗶𝘁𝗮𝗹 𝗠𝗮𝗻𝗮𝗴𝗲𝗺𝗲𝗻𝘁: Analyzed working capital, recorded assets, and reconciled general ledger accounts to maintain financial stability. 𝗣𝗿𝗼𝗷𝗲𝗰𝘁 𝗣𝗿𝗼𝗳𝗶𝘁𝗮𝗯𝗶𝗹𝗶𝘁𝘆: Performed detailed costs and revenue analyses for individual projects, producing profitability reports to guide strategic initiatives. 𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲: Ensured compliance with IFRS and GAAP standards in accounting and tax reporting to Croatian authorities, staying abreast of regulatory changes through continuous monitoring and education. 𝗖𝘂𝘀𝘁𝗼𝗺𝗲𝗿 𝗗𝘂𝗲 𝗗𝗶𝗹𝗶𝗴𝗲𝗻𝗰𝗲: Conducted due diligence on customers, assessed credit risks, and monitored receivables, implementing effective collection strategies to optimize cash flow. 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗰 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴: Collaborated in creating Annual Operating Plans (AOP) and Financial Statements, supporting management with ad hoc reports and market analysis. 𝗩𝗲𝗻𝗱𝗼𝗿 𝗖𝗼𝗺𝗺𝘂𝗻𝗶𝗰𝗮𝘁𝗶𝗼𝗻: Maintained effective communication with vendors, financial institutions, tax authorities, and internal/external stakeholders to facilitate smooth operations. 𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗣𝗮𝗿𝘁𝗻𝗲𝗿𝘀𝗵𝗶𝗽: Acted as a trusted business partner to management and other departments, providing valuable insights and support in decision-making processes.

mStart plus d.o.o.Head Of Controlling

Dec. 2016 - Jun. 2017Zagreb, 6 months duration contract𝗣𝗿𝗼𝗰𝗲𝘀𝘀 𝗜𝗺𝗽𝗹𝗲𝗺𝗲𝗻𝘁𝗮𝘁𝗶𝗼𝗻 𝗟𝗲𝗮𝗱𝗲𝗿𝘀𝗵𝗶𝗽: Spearheaded new company processes in controlling and finance during a 6-month contract. 𝗦𝗔𝗣 𝗖𝗢 𝗣𝗿𝗼𝗳𝗶𝗰𝗶𝗲𝗻𝗰𝘆: Generated detailed profitability reports monthly and yearly, offering critical financial insights. 𝗖𝗼𝘀𝘁 & 𝗥𝗲𝘃𝗲𝗻𝘂𝗲 𝗔𝗻𝗮𝗹𝘆𝘀𝗶𝘀: Executed rigorous analyses at project, service, and business levels for informed decision-making. 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗥𝗶𝘀𝗸 𝗠𝗮𝗻𝗮𝗴𝗲𝗺𝗲𝗻𝘁: Conducted due diligence on customers, credit risk assessment, and receivables monitoring. 𝗕𝘂𝗱𝗴𝗲𝘁 𝗗𝗲𝘃𝗲𝗹𝗼𝗽𝗺𝗲𝗻𝘁: Produced ad hoc reports and managed budgets using Cognos for streamlined reporting. 𝗖𝗼𝗻𝘁𝗿𝗼𝗹𝗹𝗶𝗻𝗴 𝗔𝗰𝗰𝘂𝗿𝗮𝗰𝘆: Reviewed Balance Sheet and P&L reports ensuring financial compliance. 𝗔𝗹𝗹𝗼𝗰𝗮𝘁𝗶𝗼𝗻 𝗣𝗿𝗲𝗰𝗶𝘀𝗶𝗼𝗻: Orchestrated allocation templates and oversaw SAP CO module allocations for report accuracy. 𝗖𝗮𝘀𝗵 𝗙𝗹𝗼𝘄 𝗠𝗮𝗻𝗮𝗴𝗲𝗺𝗲𝗻𝘁: Implemented a weekly cash flow reporting system, ensuring financial stability. 𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲 𝗠𝗼𝗻𝗶𝘁𝗼𝗿𝗶𝗻𝗴: Kept abreast of International Accounting Standards updates for regulatory compliance. 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗰 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗣𝗮𝗿𝘁𝗻𝗲𝗿: Provided key strategic financial support to Finance Director and Accounting team.

HRID d.o.o.Controlling and Operational Manager

Mar. 2016 - Jul. 2016Zagreb𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗰 𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗢𝗽𝗲𝗿𝗮𝘁𝗶𝗼𝗻𝘀 𝗢𝘃𝗲𝗿𝘀𝗶𝗴𝗵𝘁: Directed end-to-end control of business operations encompassing production and sales cycles. 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝘆 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴 & 𝗜𝗺𝗽𝗹𝗲𝗺𝗲𝗻𝘁𝗮𝘁𝗶𝗼𝗻: Formulated and executed strategic plans to drive business growth and sustainability. 𝗗𝗮𝗶𝗹𝘆 𝗣𝗿𝗼𝗰𝗲𝘀𝘀 𝗠𝗼𝗻𝗶𝘁𝗼𝗿𝗶𝗻𝗴 & 𝗔𝘀𝘀𝗲𝘁 𝗠𝗮𝗶𝗻𝘁𝗲𝗻𝗮𝗻𝗰𝗲: Conducted continuous monitoring and analysis of daily operations, ensuring optimal asset performance and efficiency. 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗥𝗲𝗽𝗼𝗿𝘁𝗶𝗻𝗴 & 𝗕𝘂𝗱𝗴𝗲𝘁𝗶𝗻𝗴: Prepared and implemented budgeting strategies and created comprehensive reports for shareholders in Croatia and Russia. 𝗕𝗼𝗮𝗿𝗱 𝗼𝗳 𝗠𝗮𝗻𝗮𝗴𝗲𝗺𝗲𝗻𝘁 𝗦𝘂𝗽𝗽𝗼𝗿𝘁: Provided strategic support to the Board of Management in exploring new project opportunities and initiatives. 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗥𝗲𝗽𝗼𝗿𝘁𝗶𝗻𝗴 𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲: Collaborated with accountants to prepare and ensure compliance with mandatory financial reports in alignment with Croatian and IFRS Standards. 𝗖𝗮𝘀𝗵 𝗙𝗹𝗼𝘄 𝗠𝗮𝗻𝗮𝗴𝗲𝗺𝗲𝗻𝘁: Generated weekly cash flow reports and managed cost planning and control to maintain financial stability. 𝗥𝗲𝗴𝘂𝗹𝗮𝘁𝗼𝗿𝘆 𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲: Monitored and ensured adherence to local Legal, Accounting, and Labour Law policies and regulations. 𝗦𝘁𝗮𝗸𝗲𝗵𝗼𝗹𝗱𝗲𝗿 𝗥𝗲𝗹𝗮𝘁𝗶𝗼𝗻𝘀𝗵𝗶𝗽 𝗠𝗮𝗻𝗮𝗴𝗲𝗺𝗲𝗻𝘁: Acted as a key business partner to shareholders and the production department, fostering strong collaborative relationships. 𝗖𝘂𝘀𝘁𝗼𝗺𝗲𝗿 𝗮𝗻𝗱 𝗩𝗲𝗻𝗱𝗼𝗿 𝗠𝗮𝗻𝗮𝗴𝗲𝗺𝗲𝗻𝘁: Effectively managed relationships with customers and vendors, optimizing business partnerships and driving mutual success.

Medtronic Adriatic dooInternational Finance and Controlling Manager

Sep. 2007 - Jan. 2016Zagreb, Adriatic region𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗣𝗮𝗿𝘁𝗻𝗲𝗿𝗶𝗻𝗴 & 𝗠𝗮𝗿𝗸𝗲𝘁 𝗘𝘅𝗽𝗮𝗻𝘀𝗶𝗼𝗻: Engaged in strategy implementation and commercial decisions, providing valuable insights and serving as a trusted advisor to senior management. Facilitated productive business discussions and explored new avenues for market expansion. 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗠𝗮𝗻𝗮𝗴𝗲𝗺𝗲𝗻𝘁: Led monthly and yearly book closing processes, ensuring accuracy in accruals, general ledger review, and cost allocations. Managed financial reporting for local statutory and corporate requirements, including P&L, balance sheet, VAT, and cash flow. 𝗧𝗲𝗮𝗺 𝗟𝗲𝗮𝗱𝗲𝗿𝘀𝗵𝗶𝗽: Successfully managed cross-functional teams in finance and customer departments, providing mentorship and guidance to new team members. Fostered a collaborative work environment focused on achieving departmental goals. 𝗥𝗲𝗴𝘂𝗹𝗮𝘁𝗼𝗿𝘆 𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝗰𝗲: Possess a comprehensive understanding of accounting principles, tax laws, and financial standards, including US GAAP, local GAAP, and IFRS. Ensured compliance with SOX requirements and implemented policies to uphold business conduct standards. 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗰 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴: Contributed to the development of company strategy plans as a key member of the management team. Conducted in-depth analysis of markets, competition, and pricing to inform strategic decision-making. 𝗥𝗶𝘀𝗸 𝗠𝗮𝗻𝗮𝗴𝗲𝗺𝗲𝗻𝘁: Conducted due diligence on potential customers to mitigate risks and ensure sound business relationships. Managed receivables and payables, optimized cash flow, and implemented effective risk management strategies. 𝗥𝗲𝗹𝗮𝘁𝗶𝗼𝗻𝘀𝗵𝗶𝗽 𝗠𝗮𝗻𝗮𝗴𝗲𝗺𝗲𝗻𝘁: Cultivated strong business relationships with external partners such as vendors, banks, and financial institutions. Negotiated contracts and fostered new customer relations to drive business growth.

Snaidero IT, a manufacturer of high-end kitchen cabinetryControlling Manager

Jul. 2006 - Sep. 2007Udine Area, Italy𝗕𝘂𝗱𝗴𝗲𝘁 𝗠𝗮𝗻𝗮𝗴𝗲𝗺𝗲𝗻𝘁: Proficient in drawing up budgets and implementing controls to monitor business operations effectively. Demonstrated ability to optimize resource allocation and drive cost-saving initiatives. 𝗢𝗽𝗲𝗿𝗮𝘁𝗶𝗼𝗻𝗮𝗹 𝗖𝗼𝗻𝘁𝗿𝗼𝗹: Experienced in overseeing business operations to ensure efficiency and compliance with organizational policies and procedures. Skilled at identifying areas for improvement and implementing strategies to enhance operational performance. 𝗙𝗶𝗻𝗮𝗻𝗰𝗶𝗮𝗹 𝗥𝗲𝗽𝗼𝗿𝘁𝗶𝗻𝗴: Expertise in creating comprehensive reports tailored to meet the requirements of headquarters in Udine, Italy, as well as affiliates on a monthly, quarterly, and annual basis. Capable of conducting thorough analysis to provide valuable insights for decision-making. 𝗦𝘁𝗿𝗮𝘁𝗲𝗴𝗶𝗰 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴: Collaborative approach to strategic financial planning, with a focus on aligning financial goals with overall organizational objectives. Proficient in identifying opportunities for growth and optimizing financial performance. 𝗖𝗿𝗼𝘀𝘀-𝗙𝘂𝗻𝗰𝘁𝗶𝗼𝗻𝗮𝗹 𝗖𝗼𝗹𝗹𝗮𝗯𝗼𝗿𝗮𝘁𝗶𝗼𝗻: Effective communicator with a proven track record of collaborating across departments to achieve common goals. Skilled at building and maintaining positive working relationships with stakeholders at all levels.

RTL TelevisonSales and Marketing Financial Controller

Jul. 2004 - Jul. 2006𝗖𝗼𝘀𝘁 𝗖𝗼𝗻𝘁𝗿𝗼𝗹: Proficient in controlling costs in alignment with marketing plans to ensure adherence to budgetary constraints. Skilled at identifying cost-saving opportunities and implementing strategies to optimize resource allocation. 𝗦𝗮𝗹𝗲𝘀 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴: Collaborative approach to developing sales plans in partnership with the Sales department, serving as a business partner to the sales force to meet revenue goals. Experienced in analyzing sales data and market trends to inform sales strategies. 𝗕𝘂𝗱𝗴𝗲𝘁𝗶𝗻𝗴: Demonstrated expertise in drawing up budgets and effectively managing financial resources to support business objectives. Capable of developing comprehensive budgets that align with organizational goals and priorities. 𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗔𝗻𝗮𝗹𝘆𝘀𝗶𝘀 𝗮𝗻𝗱 𝗣𝗹𝗮𝗻𝗻𝗶𝗻𝗴: Strong analytical skills with a focus on conducting thorough business analysis and planning activities. Experienced in evaluating financial performance, identifying key insights, and developing actionable plans to drive business growth. 𝗗𝗲𝗯𝘁 𝗠𝗮𝗻𝗮𝗴𝗲𝗺𝗲𝗻𝘁: Proven track record in managing the collection of open debts, optimizing cash flow, and minimizing bad debt exposure. Skilled at implementing effective debt collection strategies while maintaining positive customer relationships. 𝗖𝗮𝘀𝗵 𝗙𝗹𝗼𝘄 𝗠𝗮𝗻𝗮𝗴𝗲𝗺𝗲𝗻𝘁: Proficient in creating cash flow projections on a weekly and monthly basis to ensure adequate liquidity and financial stability. Experienced in monitoring cash flow trends and implementing measures to mitigate cash flow risks.

AWT InternationalFinance Assistant & Controller

Dec. 2000 - Jul. 2004𝗦𝗮𝗹𝗲𝘀 𝗖𝗼𝗻𝘁𝗿𝗼𝗹: Experienced in overseeing sales operations to ensure compliance with internal policies and procedures. Proficient in conducting due diligence on new customers to assess creditworthiness and mitigate risks. Skilled at implementing strategies to optimize sales performance while minimizing potential losses. 𝗕𝘂𝗱𝗴𝗲𝘁𝗶𝗻𝗴: Demonstrated expertise in drawing up budgets that align with organizational goals and priorities. Capable of developing comprehensive budget plans and monitoring budgetary performance to support effective resource allocation. 𝗥𝗶𝘀𝗸 𝗠𝗮𝗻𝗮𝗴𝗲𝗺𝗲𝗻𝘁: Proven track record in identifying and managing risks associated with sales activities and customer relationships. Skilled at implementing risk mitigation strategies to protect the interests of the organization and ensure financial stability. 𝗥𝗲𝗽𝗼𝗿𝘁𝗶𝗻𝗴: Proficient in creating reports for headquarters in Vienna, Austria, owned by Bank of Austria, to provide timely and accurate financial information. Experienced in generating reports that meet the specific requirements of stakeholders and support strategic decision-making processes. 𝗖𝗿𝗼𝘀𝘀-𝗙𝘂𝗻𝗰𝘁𝗶𝗼𝗻𝗮𝗹 𝗖𝗼𝗹𝗹𝗮𝗯𝗼𝗿𝗮𝘁𝗶𝗼𝗻: Effective communicator with a demonstrated ability to collaborate across departments and levels of the organization. Skilled at building positive relationships with stakeholders to facilitate information sharing and achieve common goals.

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