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Work Background
IuteCredit Romania IFN SA, An Nonbanking Financial InstitutionCFO
Aug. 2024Bucharest, RomaniaIuteCredit Romania is a part of Iute Group, an Estonia based fintech company. Iute specializes in consumer finance, payment services, banking, and insurance products providing its services to > 1.0M Customer across south part of Europe. Develop accounting framework and implement financial controls to ensure compliance with national banking regulations and tax authorities. Define reporting system requirements to automate data collection, establish validation mechanisms and standardise submission formats in alignment with national banking standards and deadlines.
● Secured €1.2 million in company capitalisation rounds by organising and executing funding processes.
● Strengthened financial sustainability, scalability, and investor confidence by creating robust financial model.
● Optimised budgeting processes and enhanced result analysis by developing robust business plan model framework.
● Delivered unmodified opinion in annual financial audit within 30 days post-year-end reporting through meticulous financial oversight and compliance.
Oney RomaniaCountry Manager
Jun. 2023 - Jul. 2024Bucharest, RomaniaOney Romania belongs to BPCE Group, top 10 banking Group In Europe. Oney Romania (2007) is operating on consumer loan sector with annual turnover over 20Meur and developing innovative payment solutions dedicated to e-commerce financing. Designed and executed business strategies tailored to local market dynamics whilst ensuring alignment with organization's global vision and objectives. Developed and executed strategic business plans to drive revenue growth, market expansion, and operational efficiency. Led cross-functional teams to ensure alignment with corporate objectives, regulatory compliance, and industry best practices.
● Pioneered first-ever co-branded credit cards with access to three loyalty programmes, an industry-first innovation.
● Increased customer accessibility to credit and loan options by introducing online platform that streamlined multiple offers under single credit application.
● Strengthened stakeholder relationships by identifying market opportunities, refining service offerings, and adapting strategies to align with evolving industry trends.
● Secured long-term business sustainability by cultivating strategic partnerships, optimizing cost management frameworks, and facilitating access to capital, resources, and expertise.
● Enhanced financial and insurance intermediation services for customers of major physical and online retail chains in Romania by spearheading transition to digital-first business model.
Oney RomaniaChief Financial Officer
Aug. 2017 - May. 2023Bucharest, RomaniaContributed to corporate strategy by overseeing financial, accounting, risk management, and legal functions aimed at driving operational excellence. Developed business cases with emphasis on supporting strategic decision-making to establish key performance indicators (KPIs) for performance tracking. Ensured accurate and timely financial reporting in compliance with local regulations and IFRS consolidation standards.
● Achieved 30% market share and market leadership by contributing to successful launch of BNPL solution.
● Increased broker commissions by average of 200 basis points through strategic negotiation and optimisation.
● Optimized resource allocation by directing budgeting process to assure alignment with financial objectives/monitor execution.
● Maintained compliance and improved financial operations by managing relationships with auditors, financial institutions, insurance providers, and tax authorities.
● Strengthened core departmental capabilities and supported high-growth operations by leading comprehensive reorganisation initiatives and implementing agile processes.
Oney Polska SAFinancial Controller
Jun. 2015 - Jul. 2017Warsaw, PolandOney Polska belongs to BPCE Group, top 10 banking Group In Europe. Oney Polska (2001) is operating on consumer loan sector with annual turnover over 25Meur. Developed robust reporting tool with focus on analyzing company performance at cost and profit centre levels to enable precise profitability tracking for each commercial location. Evaluated key performance indicators across profitability, product performance, and distribution channels to drive strategic decision-making. Conducted in-depth financial analyses and delivered comprehensive reports to senior leadership for informed decision-making.
● Optimised workflows and maintained operational accuracy by leading back-office operations.
● Achieved 30% reduction in cash handling costs by reorganising the cash management and circulation system.
● Designed detailed drill-down P&L metrics system to track financial performance from consolidated level to individual revenue-generating units, optimising data-driven management decisions.
Oney Polska SABusiness Analyst
May. 2013 - May. 2015WarszawaPerformed comprehensive evaluations of sales performance, profit margins, production expenses, and overall management costs to identify trends and opportunities for optimisation. Directed allocation of production expenditures and contributed to development of strategic business plans, influencing management decisions on new product launches and sales-driven initiatives.
● Increased product profitability by 100 basis points, through development of targeted model.
● Compiled and presented comprehensive monthly product and services report aimed at analysing key performance indicators (KPIs) to track progress against prior periods and annual budget.
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