Your Name
Summary
16 years C-level expertise in B2B, B2C, B2B2C financial services, classic and digital (sales, marketing, customer service and product areas) both in multinational and entrepreneurial environments, start-ups or consolidate businesses.
I delivered and implemented innovative business models, created and driven high performant commercial teams, facilitated turnaround operations with high level of ethics, “customer obsession” approach, enhanced by a proper risk management.
Ready to launch and to lead ambitious projects by leveraging on my experience in super competitive and highly regulated environments.
Overview
22
22
years of professional experience
Work History
General Manager
Ocean Credit IFN S.A
Bucharest
01.2022 - Current
- Managed the the strategy to assure proper transition of the company towards a Neo- bank structure, covering budgets, funding, staff and products
- Developed creative synergy between in Ocean Credit, the digital lender and Volt mobile app, part of Ocean Group; Doubled the loan book since January 2022, from 10,000,000 lei to 20,100,000 lei
- Increased over 100% in monthly revenue, from 700,000 lei to 1,500,000 lei., Successfully structured compliance and risk framework for company transition in the next supervision category within Romanian National Bank; Launched first EUR 2 mil
- Bond finance, with a success rate of 200% versus plan.
Chief Operations Officer
LendRise Marketplace Inc
Bucharest
01.2017 - 01.2020
- Launched Proof of Concept for LaaS (Lending as a service)
- Negotiated and signed agreement with Romanian Credit Bureau, LendRise, being the very first start-up company outside banking environment; Concluded 14 local partnerships with banks and financial institutions to push digital lending within ScoreRise mobile app; Managed to win the tender with Telekom Romania - Deutsche Telekom Group, for prepaid SIM card registration;
Chief Executive Officer and Country Manager
ZAPLO IFN S.A. 4FINANCE Group
Bucharest
01.2014 - 01.2017
- Developed the full operational company within first four months after joining the project; Managed to reach 17% micro lending market share after 16 months; Increased number of loans to over 100,000 contracts in 16 months; Pushed revenue to double digits YOY, over-performing versus similar group subsidiaries in CEE; Pushed customer services operations to receive a great customer loyalty of 82%, and an excellent organic growth of 25%.
Chief Commercial Officer
BRD Finance IFN S.A, Groupe Société Générale
Bucharest
01.2005 - 01.2014
- Developed new consumer banking products and services in synergy with BRD GSG bank; Multiplied by 6 the customer base, reaching over 500,000 unique customers within four years; Increased to EUR 130 mil
- Loan book within three years; Improved the biggest partnership of BRD F by launching first virtual joint venture with an international retail player, acquired from competition; Reached 85% success rate in tender participations; Restructured loan portfolio to a share of 50% credit card from 2%, facilitating recurrent business; Improved customer activation rate from 25% up to 42%; Prevented losses caused by 2009 crisis by optimising cost structure, risk approach towards markets and successfully recovering 100% advance of financing granted to partners; Managed to decrease the staff turnover to one digit percentage vs 20% industry average;
Head of Key Accounts
BRD Finance IFN S.A, Groupe Société Générale
Bucharest
01.2004 - 01.2005
- Increased number of partnership to 20, targeting the most important international and domestic retail networks, some of them partnering only in Romania with Société Générale world
- Launched first private label cobranded credit card in hypermarkets environment Building the team of 22 regional managers;
Deputy Retail Manager
FINANSBANK Romania S.A. H.Q
Bucharest
01.2003 - 01.2004
- Drove the change in business model for the Romanian subsidiary of the bank to consumer banking products and services; Signed EUR 0,5 Mil Loan Facility with Kreditanstalt für Wiederaufbau (KfW) to leverage on funding capabilities of the bank; Launched five consumer banking products and services: Western Union money transfer services, deposits, debit and credit cards, consumer loans;
Product Manager
BANC POST S.A. H.Q
Bucharest
01.1999 - 01.2003
- Positioned the bank as the second main agent of Western Union money transfer services at Banc Post; Launched first project of consumer loans in partnership with the largest IT&C Romanian retailer; Improved revenue generated by my product portfolio with USD 1 Mil
- Monthly extra income after full deployment of Western Union service;
Education
Master of Business Administration - undefined
Romanian American University
undefined
Technical University of Civil Engineering
Skills
Strong team builder;Solid relationship management expertize;Digital consumer banking expertize;Solid knowledge of retail dynamics;
Timeline
General Manager
Ocean Credit IFN S.A
01.2022 - Current
Chief Operations Officer
LendRise Marketplace Inc
01.2017 - 01.2020
Chief Executive Officer and Country Manager
ZAPLO IFN S.A. 4FINANCE Group
01.2014 - 01.2017
Chief Commercial Officer
BRD Finance IFN S.A, Groupe Société Générale
01.2005 - 01.2014
Head of Key Accounts
BRD Finance IFN S.A, Groupe Société Générale
01.2004 - 01.2005
Deputy Retail Manager
FINANSBANK Romania S.A. H.Q
01.2003 - 01.2004
Product Manager
BANC POST S.A. H.Q
01.1999 - 01.2003
Master of Business Administration - undefined
Romanian American University
undefined
Technical University of Civil Engineering