Andrea Bratu Email & Phone Number

Fast growing Fintech providing flexible financing to small companies and freelancers in Europe.Outside-in review of the existing credit cycle process, provide levers for collection performance improvement, evaluate and prioritise levers based on implementation complexity and impact estimation (matrix), document levers in sufficient detail ready for implementation.

Germany, Tanzania, Kenya, Rwanda

Africa’s largest rent-to-own solar service provider by capacity installed.Loan portfolio management. Collection policy, tools, and products design and implementation. Process compliance and quality control optimization along the credit cycle. Training and capacity building in credit risk management and financial inclusion. Performance management process development and implementation.

Bosnia And Herzegovina

One of the leading microfinance institutions in Bosnia and Herzegovina. Promotes economic growth amongst the low-income population by providing finance to micro-businesses.Organizational credit risk management (processes, policies, procedures) assessment and improvement plan delivery.

Zambia

Social enterprise that provides high-impact productive assets to micro-entrepreneurs in rural Zambia.Industry research on tools and methods for improving credit assessment of thin-file customers. Credit analysis model development by customer segments.

Romania

Training programme design and delivery for 40 branch managers and loan officers in underwriting and credit risk analysis of small businesses and agricultural customers. Creation of a credit-scoring model for small businesses to evaluate credit limit and loan product fit.

Romania

Underwriting and credit control teams management.Definition, implementation, and improvement of credit policies and procedures, including credit methodology, loan products, preventive monitoring, and impact assessment.Decision-maker according to approval authority limit for lines of credit, short and long-term loans, invoice discounting.

Part of Patria Bank Group, Patria Credit is an NBFI specialized in financing micro-businesses and agribusinesses.

Drive business growth. Manage the commercial, administrative, operational, and financial functions of the branch.

Master'S Degree, Business Administration, Management And Operations

Bachelor'S Degree, Business Administration And Management, General