Radu Topliceanu Email & Phone Number

Dubai, Uae, Ae

Mashreq is half century old bank, which proudly thinks and acts as a challenger, startup and innovator, being recognized as the best digital bank in the region.I lead the team responsible for Mashreq Consumer Banking, with focus on: - Shaping digital banking strategy, leading profitable growth in UAE and expansion across new markets (Egypt, Pakistan) - Continuously developing digital value proposition, helping our customers Rise Every Day- Introducing Client Value Management, increasing client engagement, leveraging personalization at scale to create value for the client and for the bankDigital Banking | Strategy | P&L | Segment Management | Product Management Client Value Proposition | Client Value Management | Personalization at scale

Bucuresti, -, Ro

Member of the Management Board steering Romanian subsidiary of Societe Generale.Directly led Retail Banking, a team of more than 4.000 professionals serving 2 million customers (consumer banking and SME with T/O < 1 M Euro). Spearheaded Retail banking transformation into a customer first, omnichannel bank providing personalized engagement. Drove Retail Banking business model digitalization. Main achievements during my mandate: ✓ Main contributor to 820+ MM USD profit over 3 years, at average 14,2% ROE ✓ Constantly in Top 3 banks by clients' satisfaction (based on NPS) ✓ Introduced new mobile app and drove adoption of digital banking, doubling number of active users to 1 MM+ and doubling number of digital transactions. ✓ Introduced end-to-end digital journeys for customers' acquisitions, lending, and cards, generating a significant share of new sales fully digital✓ Managed branches network transformation, increasing loans production by 75% while reducing number of branches by 30% Strategy | P&L | Segment Management | Product Management Client Value Proposition | Client Value Management | Personalization at scaleOmnichannel | Digitalization | Branches Network

London, England, Gb

Part of the team managing Personal Banking Segment at global level, with 9m+ clients across more than 30 markets. I worked in developing global frameworks and helping teams across markets to implement them on different topics: - Develop client-centric Personal Banking strategy, with focus on differentiated approach to markets - Enhance Client Value Proposition for Mass and Emerging Affluent clients, capitalizing on client insights - Introduce Client Value Management, leveraging personalization at scale to grow revenue per client. Strategy | Segment Management | Client Value Proposition | Digitalization | Digital Marketing | Client Value Management | Personalization at scale

Vienna , At

Joined as member of new executive management team, in charge with complete transformation of old fashioned, sub-scale acquired VBI group into modern, digitally focused market disruptor Sberbank Europe. Managed complete transformation of distribution, integrating multichannel management, reshaping physical distribution and driving digitalization. Managed Retail Segments, with full P&L responsibility across 8 markets. ✓ Led development of Group Retail Strategy and Customer Value Proposition for Personal Banking Segments and guided implementation in countries✓ Led multichannel, hybrid distribution development, ensuring seamless client journeys introduction✓ Led Digital Banking development, drove client adoption and increased digital originated sales by 25% per year ✓ Managed physical sales and distribution transformation, doubling sales efficiency through Branches Network and generating additional 25% volumes through new channels introduction Strategy | Segment Management | Customer Value PropositionMultichannel | Digital Banking Sales Management | Branches | Direct Sales | Bank@Work | Partnerships

Ljubljana, Si

Parallel assignment - Oversaw bank transformation into Slovenian market digital leader

Bucharest, Romania, Ro

Promoted to led Retail Banking transformation from a product push organization into customer centric one, while ensuring customers’ profitability. Full P&L responsibility for 2M customers and 200+ MM euro Operating Income.✓ Launched Personal Banking Segments Strategy and Value Proposition, delivering 30% yearly growth in Affluent customers and reaching 15% market share in primary customers (salary, pension accounts) ✓ Led product development and management teams – lending, liabilities, transactional banking and bancassurance. ✓ Coordinated digital banking development, launching best in class Raiffeisen Mobile and Raiffeisen online apps and drove adoption by clientsMember of Bank Executive Management Team, Assets and Liabilities Committee (ALCO), Investment Committee. Raiffeisen Bank was recognized as "Best Bank in Romania" by Euromoney (2012, 2013), The Banker (2011, 2012,2013), EMEAFinance ( 2013) Strategy | Segment Management | Customer Value Proposition | Product Management | P&L Personal Loans | Mortgage | Current Accounts | Cards | Deposits | Bancassurance | Western UnionDigital Banking | ATMs

Bucharest, Romania, Ro

Moved back to Romania to build group Consumer Finance hub. During financial crisis took over responsibility for all lending products (secured and unsecured) and adjusted business model to new paradigm, redesigning product portfolio. ✓ Launched Consumer Finance unit in 9 months ✓ Redefined development strategy for the PI loan products and portfolio to ensure right balance between volumes and cost of risk in the crisis environment✓ Worked closely with Retail Risk to stabilize existing loans portfolio✓ Managed sales channels: Mortgage Centres Network, Bank’s partners and Direct Sales AgentsLending | Product Management | Personal Loans | Mortgage | Sales FinanceMortgage Centers | Brokers | Direct Sales

Vienna, At

Promoted to coordinate sales and distributions activities in Raiffeisen International subsidiaries in South Eastern Europe (6 countries, 900+ branches). Directly managed Sales Force Effectiveness programs introduction in the region, delivering 25 - 50 % increase in sales in Serbia, Bulgaria, Kosovo Sales Management | Branches | Sales Force Effectiveness

Bucharest, Romania, Ro

Promoted to take full responsibility for Retail Sales across Branches Netowrk, alternative channels and digital, spearheaded the introduction of Sales Force Effectiveness program (pilot for Raiffeisen International), delivering 50%+ sales growth. ✓ Coordinated sales activities and sales programs/projects through more than 400 branches ✓ Managed the team responsible for complete redesign of sales target setting and monitoring, sales support tools creation, sales management development and incentives schemes for sales staff ✓ Continued to manage Digital Channels development ✓ Reshaped Direct Sales Agents NetworkSales Management | Branches | Sales Force Effectiveness | Direct SalesContact Center | Internet Banking | Mobile Banking

Bucharest, Romania, Ro

Hired to develop and implement digital strategy in newly acquired bank. Launched digital banking and drove client adoption (Raiffeisen Direct, 2002 - first transactional banking call centre in Romania, myBanking, 2003 – first full transactional mobile banking in Romania, Raiffeisen Online, 2005 - internet banking. ✓ Digital Banking pioneer in Romanian banking market✓ Developed multi-channel strategy. ✓ Managed Digital Channels launch, growth and transformation into full-fledged channels., migrating 75% of non cash transactions migrated to digital channels ✓ Led teams responsible for customer service, transactions, sales, customers activation and retention ✓ Full responsibility for Digital Channels P&Lmobile banking awards for myBankings : “most innovative mobile banking service” – 2003 Romanian IT&C awards; “best e-service” – 2003 e-finance awards; “best mobile banking service” – 2004; 2006; “Mobile Communications Magazine Contact Center | Internet Banking | Mobile Banking Customer Service | Sales

Issy-Les-Moulineaux, Île-De-France, Fr

In June 1999, Orange opened a fourth Contact Center in Romania and I was hired to build from scratch this new unit. I developed and managed a top performing Contact Centre, with 120 headcount, delivering excellent customer experience while operating with high efficiency and within strict P&L control. Contact Center | Customer Service

Immediately after graduation, I worked as Design Engineer in Romanian Institute for Energy Industry Study and Design. After 1 year I moved to Bacau Power Plant for a more hands on experience. Here I developed both engineering and managerial skills, starting as Chief of Thermal Energy Plant and then being promoted as Dispatcher for Electrical Power Plant. I managed teams of round 100 workers and foremen, being responsible for managing whole Power Plant activity during my shift

Lead

Postgraduate Certificate, Banking Management

Building And Leading Customer-Centric Organizations

Executive Mba, Asebuss & Kennesaw State University, General Management

Masters Of Engineering, Thermal Power Plant