With 20 years’ experience I've gained in Banking industry, managing the Portfolio at risk in SME's and PI for 13 years and 8 years in landing business, I've decided to use my expertise and help clients maximise their profits, minimise the losses, overcome current problems and continue developing their business, saving and enlarging their capital.Fields of involvement:• Business diagnostics, evaluation of business projects, business development, generating leads, negotiation with prospects and leads,• Budgeting, financial controlling and project management,• Conduct audit of financials, develop insights through data analysis, and create visual reports to guide client decision-making,• Identifying funding needs, negotiate and renegotiate financial arrangements • Sale of real estate etc.

• Business Development: Spearheading initiatives to drive business growth and community engagement. Achieved significant milestones in expanding the business's reach and impact within the local community.• Digital Marketing and Social Media Management: Creation and management of a self-service website and developed engaging educational content and workshops. Utilized digital platforms to effectively communicate nutritional information and foster a supportive community for healthier eating habits.

• Implemented Agile methodologies to manage ERP system module development and enhance business process digitalization,• Conducted comprehensive business process analyses, provided quality assurance, and prepared functional documentation to support project delivery,• Delivered customer support and relationship management, ensuring high levels of satisfaction and operational efficiency.

• Conducted Comprehensive Risk Analysis: Managing portfolio at risk. Evaluated clients in risk or potential risk categories, managed loan recovery processes, initiate restructuring and monitoring restructured loans, initiating litigation procedures and sale of collateral, negotiate with clients, and manage write-offs. Manage relations with clients,• Designed and Implemented Collection Processes: Developed and formalized process flows and written procedures for collections, ensuring compliance with local regulations and IFRS standards. Created detailed reports for submission to the Central Bank and ProCredit Holding,• Performance Monitoring and Reporting: Developed and executed a performance tracking system to monitor overall loan portfolio performance. Identified and addressed areas for improvement through early warning indicators and Portfolio at Risk (PAR) metrics,• Credit Committee Participation: Acted as a key decision-maker on the credit committee, influencing critical credit decisions and strategies.Highlight: Managed best NPL rate on domestic sector level of 1-1.7% and successfully recovered problem loans in the personal portfolio, worth 24 million euros over seven years, equal to the profit of the bank for this period.

• Oversaw Branch Operations: Managed all aspects of branch operations, including day-to-day activities, staffing, and customer service. Ensured compliance with regulatory requirements and internal policies,• Financial Management and Portfolio Oversight: Administered the branch’s budgets, loan portfolios, and deposit accounts. Conducted risk assessments and implemented strategies for financial management, significantly contributing to monthly profit growth,• Business Development: Drove business growth through strategic initiatives and client acquisition efforts. Identified opportunities for expanding the branch's market presence and enhancing service offerings,• Sales and Marketing Strategy: Developed and executed targeted sales and marketing plans in alignment with the overall business strategy. Designed and implemented campaigns to boost branch performance and customer engagement,• Employee Training and Development: Established and led a comprehensive on boarding program for new hires, focusing on integrating them into the bank’s culture and operational procedures. Provided ongoing training and support to enhance team performance and development,• Customer Relationship Management: Fostered strong relationships with clients, addressing their needs and resolving issues to ensure high levels of satisfaction and retention,• Credit Committee Participation: Acted as a key decision-maker on the credit committee.

• Client Acquisition and Relationship Management: Secured micro and SME clients, conducted comprehensive financial analyses, prepared loan proposals, and maintained strong client relationships,• Team Leadership: Led and organized the branch’s lending team, overseeing their activities and performance,• Credit Committee Decision-Maker: Participated as a key decision-maker on the credit committee, influencing credit approvals and strategies.