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Work Background
Raiffeisen BANK dd BIHCRO&CFO
Mar. 2021 - Jan. 2024Sarajevo, Federation of Bosnia and Herzegovina, Bosnia and HerzegovinaManagement Board with responsibility for Risk Management (CRO) covering Credit Risk, Modelling and Validation, Market Risk, Operational Risk, Risk Controlling, Workout, Collection and with responsibility for Accounting & Controlling (CFO) covering Accounting, Financial Controlling and Reporting, Business Intelligence and Data Governance.
Supervisory Board Member in Raiffeisen Leasing BiH.
Supervisory Board Member in Raiffeisen Invest BiH.
B2Kapital Finance IFN, RomaniaGeneral Manager
Jan. 2020 - Jan. 2021RomaniaGeneral Manager responsible for the operations of B2Kapital IFN, a non – banking financial institution providing financial services according to its license, in particular consumer loans management.
- Ensure management of the operations in compliance with the Group business values;
- Comply with National Bank of Romania regulations applicable for non-banking financial institutions;
- Ensure speed and efficiency to the various financial service requirements;
- Improve people management and engagement level.
B2Kapital CroatiaBoard Member
Jan. 2020 - Jan. 2021Zagreb, CroatiaBoard Member responsible for resolution of NPL portfolio & Assets (Real Estates and Movables) in B2Kapital Croatia, part of B2Holding, a leading pan-European debt specialist in Europe.
- Define and coordinate the implementation of recovery strategies covering tailored collection strategies for the follow-up of unsettled claims to provide optimal collection through amicable solutions or legal processes as well as proper asset management for owned RE;
- Ensure the adequate framework, timely execution and proper performance monitoring of resolution strategies and sales operations;
- Coach senior leadership to increase sales effectiveness (time & value) on single transactions;
- Improve people management and engagement level.
HETA ASSET RESOLUTIONChief Resolution Officer/COO
Apr. 2016 - Jan. 2020Zagreb, CroatiaBoard Member responsible for resolution of NPL portfolios & Assets in one of the largest wind-down companies in Europe. - Defined and coordinated the implementation of wind-down strategies;
- Coached senior leadership to increase sales effectiveness (time & value) on single transactions;
- Led significant improvements of major KPIs;
- Coordinated complex portfolio and share deal transactions with top NPL investors, overachieving financial targets and accelerating overall wind-down process;
- Increased employees’ engagement towards the company despite definite timeline for complete wind down of the operations.
Banca TransilvaniaDirector
Jan. 2016 - Mar. 2016Bucharest, RomaniaDrove succession planning and finalized integration of the Retail Credit team from Volksbank to Banca Transilvania structure.
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).
Volksbank RomaniaDirector Internal Control and Operational Risk Division, Basel II Project Manager
Jan. 2008 - Nov. 2008Bucharest, RomaniaSupervised cross-functional team for delivery of monthly Basel II reporting.
Designed the Internal Control System (ICS) on a 3 layer level governance structure (set of guidelines, rules and procedures, deployment of IT application and roll out in the company).
Promoted expert training sessions for employees as a facilitator for continuous learning and increased awareness on topics related to internal control and operational risk.
UniCredit Tiriac BankDeputy Head Risk Control Department
Aug. 2007 - Jan. 2008Bucharest, RomaniaCoordinated risk assessment of new loan products for PI, SME and Corporate.
Provided leadership and direction across Basel II PMO team to ensure complete program scope delivery in line with Group and local requirements.
HVB Țiriac BankHead Loan Administration Department
Sep. 2006 - Aug. 2007Bucharest, RomaniaLed continuous improvements of processes and systems aimed to deliver efficient and qualitative loan administration services for all client segments (PI, SME, Corporate).
Contributed to successful merger Unicredit – HVB Tiriac, coordinated set-up of an appropriate governance framework and IT landscape to respond to strategic business requirements.
HVB BankTeam Leader Loan Administration
Sep. 2004 - Sep. 2006Bucharest, RomaniaContributed to successful merger HVB-Tiriac, accelerated synergies from merger of a Corporate and Retail bank, managed the people issues, integrated processes and systems.
Drove massive automation of the regulatory reporting, improving efficiency, enhancing quality and accuracy of reports.
HVB BankLoan Administrator
May. 2003 - Sep. 2004Bucharest, Romania
HVB BankPayment Officer
Mar. 2003 - May. 2003Bucharest, Romania
HVB BankReceptionist HO
Aug. 2002 - Mar. 2003Bucharest, Romania
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