Petra Stefanova Email & Phone Number

Prague, Cz

Prague, Cz

Hlavní Město Praha, Česko

Praha - Metropolitní Oblast

- Acted as Group Business Owner for Sales Acquisition, B2B, and Cash Loan streams.- Managed capacities and resources of Agile IT development teams for core systems.- Developed and delivered approximately 4.7K requirements per year across a portfolio of six countries (China, India, Vietnam, Kazakhstan, Indonesia, Philippines) focusing on CBA, feature synergy, and time to market.- Led bi-weekly prioritization cycles with six countries.- Provided strategic and operational support to country stakeholders (ExCo, C-1/2).- Continuously improved and optimized products and processes.- Reviewed and prioritized backlog.- Introduced the use of Initiatives in JIRA to group development requirements, providing comprehensive business information and enhancing the visibility of IT teams.

Hlavní Město Praha, Česká Republika

- Acted as Group Business Owner for Sales Acquisition, B2B, and Cash Loan streams.- Managed capacities and resources of Agile IT development teams for core systems.- Developed and delivered approximately 3K requirements per year across six countries (China, India, Vietnam, Kazakhstan, Indonesia, Philippines) focusing on CBA, feature synergy, and time to market.- Led bi-weekly prioritization cycles for six countries.- Provided strategic and operational support to country stakeholders (ExCo, C-1/2).- Continuously improved and optimized business processes.- Reviewed and prioritized the portfolio backlog.- Analyzed AS-IS status of IT Development process, within the first three months, proposed and implemented process improvements, and established regular monthly reporting.- Drove CBA (Cost Benefit Analysis) implementation into all core system IT development requirements, cooperating with Group Finance to maximize value.

Prague

- Managed online operations across India, Vietnam, Philippines, and Indonesia, involving monthly travel.- Reported to Group Executive Committee and Senior Management Team, engaging with country CEOs and senior executives.- Monitored and enhanced sales performance and product profitability (P&L).- Provided recommendations for product and process optimizations based on sales funnel analysis.- Identified and resolved technical and UX issues.- Shared best practices and lessons learned across countries.- Assisted in hiring for global online teams.- Prioritized Group Online IT development requirements.- Organized and moderated the Online Risk & Business conference in Vietnam in 2019 for colleagues across the Home Credit Group.

Prague, The Capital, Czech Republic

- Led a team of 5 Managers in delivering the Group Online Sales Strategy.- Optimized online sales processes and implemented strategic improvements approved by the Board of Directors. - Participated on several Online sales processes optimization projects, business requirements' specifications, business case calculations.

Prague, The Capital, Czech Republic

- Focused on consumer finance products in online channels, optimizing processes and improving conversion rates.

Prague, The Capital, Czech Republic

- Led a small team responsible for Regular Sales Indicators Reporting, including detailed justification and presentation to various teams.- Oversaw Retail Sales Planning and conducted ad hoc analyses to support decision-making for top and middle management.

Prague

- Promoted to Senior Credit Policy Analyst within three years, taking on additional responsibilities.- Regularly reported to HQ in NYC/London, covering BASEL, Credit Risk Reporting (CRR), and Portfolio Quality Review (PQR).- Managed risk policy changes and tests for new and existing bank portfolio acceptance criteria.- Conducted Risk Control Self-Assessments (RCSA, MCA, QAF), achieving one of the lowest breach rates in the CEE cluster.- Established Credit Bureau metrics and automated decision tables for loans to credit card customers, improving approval rates by 20% while maintaining low delinquency rates.- Created macro-based calculators to support underwriting analysts, enhancing processing efficiency and supporting sales growth.

Prague, The Capital, Czech Republic

- Joined post-2007-2008 financial crisis, adapting to revised risk strategies.- Focused on end-of-month reporting, data reconciliation, and implementing risk changes.- Developed expertise in data analysis, MS SQL, and VBA macros in Excel.- Gained a comprehensive understanding of the consumer finance business through hands-on experience and strategic adjustments.

Prague

- Managed US market receivables for Consumer Product Goods & Bendix Materials, ensuring past due and collections metrics were met.- Approved new orders and communicated daily with US customers/small companies- Took responsibility for end-of-month reporting and ad hoc analysis, improving corporate cash flow.- Promoted to Credit Analyst CPG US, overseeing South American and Caribbean companies, and focusing on management reporting.- Certified as a Six Sigma Core Green Belt, significantly reducing reporting time from 2 days to 20 minutes through technical expertise.

Prague

- Managed collections from foreign wholesale telecommunication companies (US, GB, DE, ES, IT).- Performed clerical tasks related to collections, including basic accounting in SAP.- Collaborated with other departments such as Wholesale, Accounts Payable, and Accounts Receivable to ensure smooth collection processes.

Master, Management

Activities and Societies: President of dormitory councilorBachelor’s degree - passed with honours Master’s degree - passed.

Humanities/Humanistic Studies