Roxana Stanciu Email & Phone Number

Bucharest, Romania

• Responsible to calculate risk indicators according to the established methodology and to prepare reports showing trends and evolution• Responsible for the calculation methodology of risk indicators and calculation limits and for proposing improvements where appropriate• Periodic or ad-hoc assessment of the methodology and approval levels of credit limits• Responsible to monitor the implementation of possible risk mitigation plans• Collaboration with other departments in order to develop defined mitigation plans• Preparation of reports showing client portfolios and setting credit limits according to the established methodology• Monitoring client portfolios in order to minimize credit risk• Coordination and implementation of projects carried out in the area of credit risk

Bucharest, Romania

• Responsible for the management of credit risk identified in the acquisition phase or during the contract in accordance with the exposure assumed by the company; • Manage day to day prevention, detection, investigation, and mitigation of fraudulent accounts.• Responsible to assess the risk of fraud associated with high exposure contracts and with financing requests• Assist in management and coordination of the Fraud Prevention programs in accordance with established policies and procedures. Design and implement fraud prevention strategies and processes necessary for minimizing risk of fraud within an organization.• Ensure that cases are researched, documented, and completed in accordance with departmental, regulatory, and compliance standards• Stay current with industry trends and new fraudulent activities that may breach the organization's fraud prevention measures• Ensure compliance with all laid down policies and procedures for work operations in order to prevent internal fraud• Liaise with legal counsels to develop and execute plans for the resolution of fraud cases.• Coordinate, guide, and motivate the credit risk & fraud team in order to provide excellent results • Actively participate in the projects were with impact in the credit risk &fraud prevention area; • Responsible of the credit risk & fraud assessment process for new products and services that are to be launched • Responsible of the financial assessment for all nonstandard contracts including high exposure contracts and deals that imply deviations from financial standards. Perform comprehensive analyses of the external an internal data in order to minimize the credit risk• Review and approve the requests for services /products based on credit for high exposure deals (based on the granted approval levels)• Maintain contact and provide support to other entities within the company in terms of credit risk & fraud prevention

Bucharest

• Responsible for the management of credit risk identified in the acquisition phase or during the contract in accordance with the exposure assumed by the company;• Responsible of the credit risk & debt approval assessment processes and procedures for both partners and customers;• Coordinate, guide, and motivate the credit risk team in order to provide excellent services in terms of credit risk evaluation;• Establish KPI for credit risk area and monitors results to ensure that they meet with established KPI;• Apply credit risk strategy, in accordance with the business plan of the company;• Development and maintenance of credit risk rules and criteria including approval & escalation levels;• Responsible of the credit risk assessment process for new products and services that are to be launched• Responsible of the financial assessment for all nonstandard contracts including high exposure contracts and deals that imply deviations from financial standards. Perform comprehensive analyses of the external an internal data in order to minimize the credit risk;• Review and approve the requests for services /products based on credit for high exposure deals (based on the granted approval levels);• Single point of contact in relationship with other financial entities;• Maintain contact and provide support to other entities within the company in terms of credit risk;• Actively participate in the projects were with impact in the credit risk area;• Support the implementation projects that will contribute to efficiency and performance increase of the business credit risk assessment ;

• Assess acquisition requests for services, equipments or estate properties, setting credit limits and/or guarantees for every individual customer. • Active member for new draft contracts (non-standard) in order to comply with company rules, regarding credit risk activity.• Interrogates Credit Rating Agency database when necessary to verify a potential customer.• Regularly or on demand reports on credit risk activity.• Active participant in projects related to credit risk assessment.

• Contact customers to inform about their credit limit.• Monitor daily cases exceeding credit limits, providing resolution for each case.• Set credit limits considering parameters like category, behavior track and age in system.• Follow the delinquent accounts, payment plans and late fees.• Process and analyze various reports on credit limit alarms.• Active participation in projects related to management of alarms.• Resolve dispute and manage customer relationship.

• Initiate collection activities for each account in Front-end strategy and Early Calling according to the daily ratio assigned;• Initiate transactional negotiations with customers to obtain promises of payment;• Make outbound calls to clients in order to sustain the collection process;• Register relevant information about the clients and modify demographic information when necessary;• Identify and report fraud cases to direct Supervisor/Manager;• Make efforts to increase the contact rate of the customers that are unreachable and make supplementary investigations to establish contact with them;• Make sure that all the actions are in line with the agreed procedures;• Generate and handle dunning letters and ensure timely letter mailing;• Ensure feed-back about the collection process;• Fulfill any other tasks requested by direct supervisor or manager;• Initiate collections actions for current accounts;• Handle and process all returned mail, according to the procedure in place;• Ensure contact and workflow with other departments.

Education record

Activities and Societies: Excel Course

Education record