• Defining and implementing annual retail marketing strategy for the bank.• Executing achievements of bank’s main KPIs in retail business (number of customers, loan and deposit portfolios, NBI, etc.).• Managing retail and small business product portfolio (payment and credit cards, cash loan, mortgage, car loan, deposit, current account and payments).• Launching new and developing existing products.• Managing all phases of projects from initiation to closing.• Managing pricing for products.• Communicating and closely collaborating with project stakeholders about project statuses and issues solving.• Managing contracts with vendors - international payment systems, personnel bureau, processing center, marketing agencies.

• Implemented loyalty programs projects.• Identified plans and resources required to meet project goals and objectives by setting realistic timelines and checkpoints.• Managed the strategic development, implementation and support of all marketing initiatives, campaigns, offers and communications in loyalty programs.• Managed role in cross-functionality team with corporate marketing, store operations, analytics, IT and digital teams on an extensive basis to drive the strategy and execution of all loyalty based initiatives aiming to influence customer behaviors.Achievements:Developed and launched loyalty program solution for national petrol stations.

Product Development• Responsible for the development and execution of superior marketing programs to acquire new customers for co-brand credit cards.• Formulate product strategies to grow market share and enhance profitability of co-brand product portfolio.• Conceptualise, propose and implement new co-brand card propositions to ensure high visibility to enhance customer base, spend and add to the product value proposition. Constantly monitor market trends to ensure that any new developments either technology driven or other, are incorporated into the offerings of the bank.Partner Relationship Management• Understand partner’s objective(s) and help full fill them. This includes but not limited to card portfolio profitability as well as meeting partner’s revenue projection from the co-brand card programs.• Enforce regular meetings conducted and agreed reports submitted in a timely manner with partners.• Explore and seek other products/opportunities outside of co-brand card to propose to partner to increase the organizations stake in the partnership and improve partner’s satisfaction.Sales Management•Contribute constructively and creatively in the planning, development and implementation stages of all acquisition programs to drive maximum product sales and awareness of the credit cards.•Work with Sales to develop incentive and/or sales programs to drive acquisition.•Work closely with external partners, vendors, and other internal departments to achieve business objectives.•Monitor and analyse performance of all acquisition programs to ensure results are on track and if not, to identify the problems/issues and recommend solutions to rectify them.Marketing Communication•Contribute constructively and creatively in the planning, development and implementation stages of all acquisition programs to drive maximum product sales and awareness of the credit cards. •Monitor and control the advertising and promotion funds allocated to co-brand card programs.

Product Development• Responsible for the development and execution of superior marketing programs to acquire new customers for co-brand credit cards.• Formulate product strategies to grow market share and enhance profitability of co-brand product portfolio.• Conceptualise, propose and implement new co-brand card propositions to ensure high visibility to enhance customer base, spend and add to the product value proposition. Constantly monitor market trends to ensure that any new developments either technology driven or other, are incorporated into the offerings of the bank.Partner Relationship Management• Understand partner’s objective(s) and help full fill them. This includes but not limited to card portfolio profitability as well as meeting partner’s revenue projection from the co-brand card programs.• Enforce regular meetings conducted and agreed reports submitted in a timely manner with partners.• Explore and seek other products/opportunities outside of co-brand card to propose to partner to increase the organizations stake in the partnership and improve partner’s satisfaction.Sales Management•Contribute constructively and creatively in the planning, development and implementation stages of all acquisition programs to drive maximum product sales and awareness of the credit cards.•Work with Sales to develop incentive and/or sales programs to drive acquisition.•Work closely with external partners, vendors, and other internal departments to achieve business objectives.•Monitor and analyse performance of all acquisition programs to ensure results are on track and if not, to identify the problems/issues and recommend solutions to rectify them.Marketing Communication•Contribute constructively and creatively in the planning, development and implementation stages of all acquisition programs to drive maximum product sales and awareness of the credit cards. •Monitor and control the advertising and promotion funds allocated to co-brand card programs.

Product and service development for Affluent customers.

Affluent client's service development; implementation, support and maintenance of commercial campaigns.

Headed a group of operators which worked with non-standard questions, solved complaints, adviced difficult products and spoke with VIPs. Listened conversations between operators and clients and made assessment of operator's work by few criterias - sales, quality of sales, discipline. Wrote and checked answers to clients by email.

Provided consultation to client of bank's products, solved client's problems, wrote e-mails to clients, solved non-standart customer's situations.