Volksbank RomaniaDirector Retail Credit Risk Division
Nov. 2008 - Dec. 2015Bucharest, RomaniaLed major projects/initiatives involving cross-functional teams, aiming to improve risk profile either in the form of risk reduction measures or enhancement of loan origination processes/tools (e.g. Project CHF Conversion Program - the largest project of this type rolled out on Romanian market, Retail Lending Factory Project - a complex business reengineering project aimed to accelerate digital transformation across loan life cycle).
Implemented a complete reorganization of Retail area (underwriting PI and SME, soft collection, restructuring, legal services, loan administration) to enhance risk management framework.
Led the design and implementation of a comprehensive approach for NPL management, defining a consistent strategy and a coherent operating model supported by an appropriate IT landscape, upgrading skills/know-how in order to improve company response to the financial crisis challenges (soft collection, restructuring, strategic risk office for re-modelling origination and NPLs frameworks).