Radena Karamiteva
Sofia
Summary
Result-orientated Business Process Implementation Manager with more than 5 years of experience in driving critical technology planning and deployment.
A strong, creative project leader involved in various business, product development and process optimization projects, capable of bringing a project from a scratch to a successful end.
Energetic, ambitious person and dynamic communicator with sound problem-solving and soft skills.
Overview
17
17
years of professional experience
1
1
Certification
Work History
Business Process Implementation Manager
Allianz Bank Bulgaria
06.2020 - Current
- Makes proposals for new initiatives or projects for optimization of operational and business processes.
- Develops solutions based on functional standards in accordance with the Bank's strategy providing stable, economic, productivity-increasing processes.
- Visualizes, models and documents appropriately through diagrams and procedures new business processes.
- Creates simulation models of new and existing business processes with the help of appropriate software applications, testing and undergoing operational analysis.
- Carries out centralized monitoring, tracking and preparation of a report on initiatives.
- Manages the activities for the implementation of new projects and the development of new processes and related procedures assigned by the Chief Operating Officer and Director of the Organization and Processes Directorate.
- Supports project management based on standardized methods, processes and tools.
- Organizes the work on the preparation, reporting and control of the status and deadlines of implementation of projects and initiatives, supports determining the scope and objectives of new projects in the bank, as well as organizational structure, project task planning.
- Coordinates with the Chief Operating Officer and Director of the Organization and Processes Directorate the stages for the implementation of new projects in the Bank, presenting maximum information in its course.
- Participates in solving problems and project risks.
- Carries out the project tasks within the agreed timetable and budget.
- Actions technical issues during implementations, working closely with IT teams to resolve problems quickly and minimize downtime for clients involved in specific scenarios encountered.
- Collaborates with cross-functional teams to ensure successful project outcomes, fostering strong relationships within the organization.
- Develops Critical Business Process Continuity (BCP) plans and Critical Scenario Plans, according to the Allianz Standard for Operational Resilience (ASOR)
- Controls the implementation and compliance with business continuity policies and procedures (BCM), referring the identified problems and proposals to the heads of the relevant structural units in the Bank.
- Reports to Chief Operating Officer on all aspects of Business Continuity Management (BCM), including any existing or possible omissions, breaches or risks associated with the Bank's operations.
Founder
Cake Home Lab EOOD
09.2019 - 05.2020
- Founder and manager of a bakery for the production of homemade sweets, cupcakes, cakes and others.
Business Process Manager
Allianz Bank Bulgaria AD
02.2017 - 10.2018
- Makes proposals for new initiatives or projects for optimization of operational and business processes.
- Develops solutions based on functional standards in accordance with the Bank's strategy providing stable, economic, productivity-increasing processes.
- Visualizes, models and documents appropriately through diagrams and procedures new business processes.
- Creates simulation models of new and existing business processes with the help of appropriate software applications, testing and undergoing operational analysis.
- Carries out centralized monitoring, tracking and preparation of a report on initiatives.
- Manages the activities for the implementation of new projects and the development of new processes and related procedures assigned by the Chief Operating Officer and Director of the Organization and Processes Directorate.
- Supports project management based on standardized methods, processes and tools.
- Organizes the work on the preparation, reporting and control of the status and deadlines of implementation of projects and initiatives, supports determining the scope and objectives of new projects in the bank, as well as organizational structure, project task planning.
- Coordinates with the Chief Operating Officer and Director of the Organization and Processes Directorate the stages for the implementation of new projects in the Bank, presenting maximum information in its course.
- Participates in solving problems and project risks.
- Carries out the project tasks within the agreed timetable and budget.
- Actions technical issues during implementations, working closely with IT teams to resolve problems quickly and minimize downtime for clients involved in specific scenarios encountered.
- Collaborates with cross-functional teams to ensure successful project outcomes, fostering strong relationships within the organization.
- Develops Critical Business Process Continuity (BCP) plans and Critical Scenario Plans, according to the Allianz Standard for Operational Resilience (ASOR)
- Controls the implementation and compliance with business continuity policies and procedures (BCM), referring the identified problems and proposals to the heads of the relevant structural units in the Bank.
- Reports to Chief Operating Officer on all aspects of Business Continuity Management (BCM), including any existing or possible omissions, breaches or risks associated with the Bank's operations.
Corporate Banking Credit Analyst
Allianz Bank Bulgaria AD
10.2015 - 02.2017
- Enhance client satisfaction by providing personalized advice and tailored product recommendations.
- Performs a full analysis of the creditworthiness and analysis of the credit transaction.
- Analysis of the borrower's related parties.
- Analysis of market position (market, customers, suppliers, competitors).
- Analysis of financial statements and forecasts (DSO/DPO);
- Initial assessment of credit risk.
- Analysis of parameters and restrictive conditions for projects for financing.
- Performs verification of the evaluation of collateral, checks if all covenants are met before disbursement.
- Participates in a Credit Council at the level of the Business Center.
Business Client Advisor - Medium Clients
ProCredit Bank Bulgaria AD
06.2013 - 09.2015
- Enhance client satisfaction by providing personalized advice and tailored product recommendations.
- Strengthened client relationships through regular communication and proactive follow-up on inquiries.
- Dedicated to company growth by identifying new business opportunities and cross-selling services.
- Streamlined processes for improved efficiency, enabling quicker response times to client requests.
- Preparation of proposals for financing and bank servicing to potential and current customers.
- Providing information and selling all banking products and services.
- Collection of information from clients when submitting a loan application – financial documents, information on current status, collateral documents, etc.
- Participation in the process of analysis in business clients Medium-sized enterprises, including – local customer visits.
- Participation in the conduct of a Credit Council at the level of the Branch.
- Verification and signing by the bank contracts, supporting documents and annexes upon approval and/or change of lending conditions and present at the signing by the client of the specified documents.
- Participation in specifying the collateral for a loan, collection of collateral documents, participation in the organization of the establishment of a mortgage / pledge.
- Tracking the fulfillment of additional conditions by customers under a credit product or using preferential conditions – providing insurance and other documents, registering additional collateral, etc.
- Management of problematic loans and monitoring of the current portfolio of loans.
- Performing extraordinary monitoring of current customers.
- Preparation of proposals for discussion and approval of preferential conditions for cash management products and financing.
- Participation / Organization of marketing, information and other events aimed at current and future clients of the Bank.
Expert Business Department - Small Clients
ProCredit Bank Bulgaria AD
10.2010 - 06.2013
- Provides support and guidance on products, procedures, preferences, conditions, exceptions to procedures and other to Relationship managers in the branch network.
- Implements and setts targets in the branch network, supporting the colleagues to achieve them and control over the implementation.
- Plans and controls the results in the region concerned.
- Participates in Credit committees in case of escalation of cases by branch network (in arbitration) and in the absence of a Manager/Deputy Branch Manager.
- Provides feedback and suggestions from the branches to the Management Board.
- Regular visits to a branch network in order to track work processes on site, receive feedback, get acquainted with the local market and competition. Prepares reports from the visits with an opinion and guidelines for improving the work processes and improving the quality of service.
- Competition research – market trends and new opportunities to work with customers in the segment.
- Independently or jointly with experts from other departments prepares reports (monthly/annual) and carries out analyses.
- Prepares proposals to the Management Board for new products / services, change in current conditions and / or procedures, updating of interest rates, suggestions for improvement and optimization of work processes
- Initiates and prepares assignments for improvements in the internal software of the Bank.
- Participates in initiated customer meetings, marketing events and other events in the region.
Regional Relationship Manager
ProCredit Bank Bulgaria AD
04.2009 - 09.2010
- Enhance client satisfaction by providing personalized advice and tailored product recommendations.
- Strengthened client relationships through regular communication and proactive follow-up on inquiries.
- Dedicated to company growth by identifying new business opportunities and cross-selling services.
- Streamlined processes for improved efficiency, enabling quicker response times to client requests.
- Preparation of proposals for financing and bank servicing to potential and current customers.
- Providing information and selling all banking products and services.
- Collection of information from clients when submitting a loan application – financial documents, information on current status, collateral documents, etc.
- Participation in the process of analysis in business clients Medium-sized enterprises, including – local customer visits.
- Participation in the conduct of a Credit Council at the level of the Branch.
- Verification and signing by the bank contracts, supporting documents and annexes upon approval and/or change of lending conditions and present at the signing by the client of the specified documents.
- Participation in specifying the collateral for a loan, collection of collateral documents, participation in the organization of the establishment of a mortgage / pledge.
- Tracking the fulfillment of additional conditions by customers under a credit product or using preferential conditions – providing insurance and other documents, registering additional collateral, etc.
- Management of problematic loans and monitoring of the current portfolio of loans.
- Performing extraordinary monitoring of current customers.
- Preparation of proposals for discussion and approval of preferential conditions for cash management products and financing.
- Participation / Organization of marketing, information and other events aimed at current and future clients of the Bank.
Client Advisor
ProCredit Bank Bulgaria AD
08.2008 - 04.2009
- Identifies customer needs.
- Sales of all types of banking products and services,by providing detailed information to the clients/prospects.
- Meeting with clients.
- Manages a portfolio of consumer loans.
- Prepares certificates and references upon request by the clients.
Expert Banking Service
ProCredit Bank Bulgaria AD
08.2007 - 07.2008
- Caries out customer account servicing process.
- Accepts and process of payment orders in local and foreign currency. Process pay-roll.
- Handles debit/credit cards – distribution, reissuance, activation, blocking, unblocking, processing of requests to change limits.
- Keeps operational registers and client files.
- Process cash collections.
- Provides information about the Bank's products.
Education
Master Degree - Management of Business Organizations
D. A. Tsenov Academy of Economics
Svishtov, Bulgaria10.2008
Bachelor's Degree - Public Administration
D. A. Tsenov Academy of Economics
Svishtov, Bulgaria09.2007
Skills
- Excellent Communication
- Project Coordination
- Goal Setting
- Time Management
- Adaptability
- Multitasking Abilities
- Task Prioritization
- Project Planning
- Organizational Skills
- Business Analysis
- Requirements Gathering
Certification
2023 - Project cost and value management, eFLAG
2021 - Business Continuity Management, eFLAG
2018 - Business Analysis, New Horizons
2018 - Risk Assessment, New Horizons
Languages
English
Intermediate (B1)
Timeline
Business Process Implementation Manager
Allianz Bank Bulgaria
06.2020 - Current
Founder
Cake Home Lab EOOD
09.2019 - 05.2020
Business Process Manager
Allianz Bank Bulgaria AD
02.2017 - 10.2018
Corporate Banking Credit Analyst
Allianz Bank Bulgaria AD
10.2015 - 02.2017
Business Client Advisor - Medium Clients
ProCredit Bank Bulgaria AD
06.2013 - 09.2015
Expert Business Department - Small Clients
ProCredit Bank Bulgaria AD
10.2010 - 06.2013
Regional Relationship Manager
ProCredit Bank Bulgaria AD
04.2009 - 09.2010
Client Advisor
ProCredit Bank Bulgaria AD
08.2008 - 04.2009
Expert Banking Service
ProCredit Bank Bulgaria AD
08.2007 - 07.2008
Master Degree - Management of Business Organizations
D. A. Tsenov Academy of Economics
Bachelor's Degree - Public Administration
D. A. Tsenov Academy of Economics
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