Elma Zukic Email & Phone Number

Bosnia And Herzegovina

Warsaw, Mazowieckie, Poland

Bosnia And Herzegovina

The primary goal is to understand expectations and needs of its members, to find a common interest between them, in order to create a positive image of the microcredit sector and presenting with unique voice of the sector in promoting the idea of financial inclusion with regulators and government. With the aim of further development of the sector, transparency will be promoted as well as best business practices in management and research among its members.In order to encourage clients to start new businesses main tasks of microcredit sector will be promoted, as well as the promotion of financial inclusion by providing financial services to clients who do not have access to traditional banking services.

Sarajevo

Organizes the work of the Bank, participates in the work of the Managing Board, and represents the Bank.By taking over the functions, my responsibilities were including the Department of Legal Affairs, retail and business networks for the period of six-months and from May 2015, my responsibilities extended to segment of all operations whiten the Bank, and now includes the following sectors:1. Retail sector and business network;2. The function of marketing;3. IT Sector;4. Asset management and investment banking sector;5. Payments department and6. Logistics and procurement service.Activity or sector : Banking

Sarajevo, Bosnia And Herzegovina

Defining and budgeting sales targets for the Network in the Retail business segments for the Mass, Premium, Retail Business, SME and Leasing; in charge of management and their implementation through the Retail Network and alternative distribution channels.Definition, harmonization and coordination of parameters related to the offer aimed at the clients in the market in addition to planning and management of acquisition on behalf of segments in the Retail Division, monitoring of effects and management of measures used to improve the process of customer acquisition. In charge of implementation of cross-selling within the Bank and members of the Group. Responsible for reports and analysis of sales results, as well as providing instructions for improving sales results based on them.Authorized to approve credit applications up to BAM 20,000 for physical persons and in charge of further processing and substantiating all applications by physical and legal persons within the Retail (households and small and medium enterprises with up to BAM 5 million turnover) and in the domain of the Credit Committee.Procurator at Raiffeisen Leasing, in charge of internal signature of documents at Raiffeisen Bank. The organizational structure includes the Bank’s Management Board, several divisions consisting of departments, six major regional centers organized specifically for retail, small and medium enterprises and consisting of 93 organizational units, as well as regional centers for corporate clients.My level of competence is B-2 (Board 2). Management of the Sales and Cross-Selling Department, Alternative Sales Channels group and coordination with regional managers to support sales.Scope of responsibility: 30 subordinates and implementation of processes involving 1,000 persons and approx. 750 000 customers.

Sarajevo, Bosnia And Herzegovina

Management of operations and business activities of the Branch and related organizational units. In charge of implementing defined budgets of the Branch and related organizational units in all areas related to the Retail Operations segment. Authorized to approve credit applications up to BAM 10,000.The organizational structure includes the Bank’s Management Board, divisions, departments, teams and the Regional Centers with branches/agencies under their jurisdiction. Scope of responsibility: 15 subordinates

Sarajevo, Bosnia And Herzegovina

Initiating the development and implementation of new credit and card products, as well as improvement of existing ones, continuous monitoring and analysis of the results achieved in that field. Supervisor of MoneyGram.

Doctor Of Education - Edd, Business Administration And Management, General

Master'S Degree, Crisis Management

Joint Master’s Degree at the Faculty of Economics, University of Sarajevo and the Faculty of Economics, University of Zagreb.