Ekaterina Kobzeva

- Markets: Germany&Austria

- Strategic Planning and Market Development: Defined and implemented commercial strategies, aligning product mix, pricing policies, and market segments with corporate goals, achieving 40% portfolio growth.

- Pricing and Promotions: Introduced dynamic pricing initiatives and subscription-based solutions, enhancing competitiveness in the market.

- Performance Monitoring: Spearheaded process optimization projects, reducing contract activation time by 75% and improving operational efficiency by 20%.

- Financial Partner Collaboration: Fostered partnerships with financial institutions to launch connected insurance solutions with differentiated premiums based on customer risk profiles.

- Leadership and Implementation: Led the establishment of a new legal entity supporting the EaaS business model for electric vehicles. Currently the company is the largest Emob Rental Company in truck segment in Europe

As Deputy Managing Director and voting Member of the Market Credit Board at VFS Market Baltics, held overall responsibility for fostering innovation, driving digitalization, and leading continuous improvement and cross-functional initiatives

- Innovation and Automation: Developed and implemented automated credit decision models, streamlining processes and improving efficiency. Initial rate for automated decisions is 20% of the deals

- Strategic Marketing Initiatives: Conducted feasibility studies for new finance products (loan, factoring), resulting in successful business case approval and implementation.

- Cross-Functional Leadership: Championed agile and lean methodologies, fostering collaboration across departments

- Commercial Planning: Reorganized sales support processes, reducing time-to-offer by 30% and improving contract release times by 40%.

- Subscription-Based Products: Introduced innovative financial products, enhancing market competitiveness and aligning with emerging mobility trends.

- Efficiency Improvements: Achieved a 15% headcount reduction while increasing operational efficiency and customer satisfaction scores by 30%.

- Ensured optimal support for sales, customer service, and compliance, oversaw the execution and improvement of Business Support processes;

- Guided activities in alignment with commercial and operational strategy, implemented policies for both office fronts, managed insurance processes, optimized team performance, and oversaw IT projects;

- Established a Business Support department and led a Front Office tool launch that improved operational speed and quality

- Founded the Contract Administration team, focused on operational excellence, improved processes in both Contract Administration and Customer Service departments;

- Implemented a CMS system and attained a significant reduction in payment days to business partners by delivering fully integrated solutions for end customers on-site

- Led the X-border portfolio project