Daily support of K&H payment operations and product developments with a team of 26. Some focus activites: core system replacement, payment security, instant payment/payment request, K&H SZÉP card operation&developments, online account opening, card acquiring strategy, card digitalisations (mobil wallet, Applepay/GooglePay, in-app-payment, instant digital card issuing,), PSD2 open banking API, TPP support.

Budapest downtown cluster of 6 retail branches, 50 FTE. Branch managers report directly to cluster manager who manages one of the branches as well.

SME segment in K&H was up to 2 bln HUF turnover. Key responsibilities: segment budgeting, sector/segment/business strategies, product/campaign design, transactional and credit pricing, market analisys, voice of customer surveys, client value propositions, network helpdesk in products/pricing. POS strategy and pricing, K&H SZÉP Card business responsibility, PR: K&H SME Trust Index, K&H Business Tips (roadshows to clients, both since 2004), cooperation with third parties (Opten, HG, Banking Ass. etc.)

Regular banking services for regional and local municipilites with a unit staffed 12-16. Establishment of EU subsidy related advisory - outsource partners / specified insourced unit.

EU accession project for the bank: assessment of possible impacts on major sectors K&H were involved with. Information sharing with key clientele on EU accession conferences. Preparation for EU subsidy related consultancy activity of the bank.

Property management and investment consultancy managing 10 industrial parks all over Hungary, owned by municipalities. IPD represented the property owners in the site acquisition of Clarion, Musashi, Roche, Syngenta, Mitsubishi.

Terra Studio is a regional development consultancy established in 1992. The company was the first Hungarian company to win (as leader of a consortium) an international consultancy tender (Phare-cross border cooperation Hungary-Romania) of the European Union.