BLIK Romania - payment institutionBusiness Development (consulting)• Developed value proposition and built pitch deck for BLIK Romania, a payment institution in Bucharest, Romania.• Conducted products & services assessment and created roadmap for launch strategy in Romania.• Implemented a segmented business development approach to target potential customers effectively.

Tirana Bank – middle size bank in AlbaniaRetail Business Strategy & Product Development (consulting)Retail Banking Strategy (develop and implement digital strategies & value proposition)Digital Onboarding and mobile app replatforming (UI&UX, process design, vendor selection, requirements elaboration)Loan Origination (new system incorporating advanced risk strategies and policies, process design - automation of decision making, data modelling, scorecards – new credit policy, vendor selection)Cards (new product launches – Mastercard World Elite, acquiring expansion – ecommerce, Mastercard certification for ATM acquiring, ATM cash in, credit card programs – installments, cash-back)Monetization (synergies with Balfin group retailers – consumer financing, discounts on POS, ECR integration with mobile wallet, cross-sell on loyalty program database)Servicing (branch automations and digitization – paperless, alternative channels – telesales, DSAs)CAPEX – Investment Brokerage, second largest fintech in RomaniaHead of Product (consulting)Product & Project management framework set-upNew user digital onboarding (UI&UX) User journey & Marketing automation (funnel drop-outs, A/B testing)New website design and new mobile app UI&UXCross-functional team coordination (sales, compliance, ops, IT&dev)Paypo – Provider of Buy Now Pay Later solutions in PolandBusiness strategy and launch (consulting)Local company registration & team selection and creationCentral Bank authorization & licensingBusiness development (merchant partnerships), planning & budgetingDigital onboarding design, process definition & automationDeferred debit & Lending product managementThird-Party integration & outsourcingData sharing, Risk management & Decision modellingProject management, team leadership

Digital onboarding & Digital lendingNew mobile app for currency exchange & card IssuanceDigital business development - performance marketing automation (end to end digital leads processing)Product Profitability and BudgettingProject Sponsorhip, Backlog Review & Prioritization of ReleasesCredit Policy, Underwritting Process, Portfolio Risk Monitoring (indirect)

Responsible for credit cards and business cards business developmentProduct & portfolio 5-Year Development StrategyAnnual budgeting & Product management (value proposition, pricing, positioning, design, packaging, communication, promotions, telesales)Instant Issuing (in branches and partner merchant physical stores)Co-brand program (partnership with EMAG marketplace)Cash-on-call program (to increase revolving ratio and profitability)Cost optimization (PIN by SMS, mobile banking services)Full life-cycle programs (initiation, limit setting, activation, engagement, usage, x-sell, upsell and retention)Sales channels management, performance monitoring & KPIs setting (DSA, brokerage, branches - indirect, Telesales)

Debit & Credit (individuals&corporate) card product ownershipAnnual budgeting & execution (acquisition, activation, usage)Cross-sell & bundling programsDirect sales business development (incentive programs)Card issuing process optimisation (reducing time to yes and time to delivery)

New product implementations (overdraft, cash loans, contactless debit card, premium credit card, mortgage loan)Retail credit policy Implementation (indirect)Customer profitability model (bundling, cross-sell, CRM strategies)Loan portfolio programs (top-ups, retention, restructuring)Card portfolio programs (early activation, segmentation & treatements, upgrade, automated limit increase, retention)Responsible for Visa & Mastercard relationship; migration to Mastercard Product MIS & management reporting (monthly performance)Loan back-office process optimization (centralization)Card back-office internalization & Card processing certification with organizations and Central Bank Credit assessment & Decision-making automation Telesales & Digital department set-up Issuing (off-us) credit card Instalments program Credit Card cash-back programValue proposition & Transactional packages (to support transactional revenues)

Credit Risk Management FrameworkPortfolio Performance Monitoring (developing own MIS and identifying deviation from set goals)Root Cause Analysis & Improvement ProposalBusiness Requirements Definition (for system development)Pre-approved Programs (cross-sell on payroll segment, automated limit increase)Credit Card Installment Program (telesales)

Policy Risk Manual Creation & UpdateCredit Processes & Manuals (initiation, collection, fraud, card production, maintenance)Internal Process ReviewCredit Initiation Quality ReviewReporting & Portfolio AnalysisNew Product Features (indirect – installments, balance transfer)Alternative Channel Development (indirect – bundling, telemarketing, direct sales, brokerage)

Credit Approval Process OwnershipCredit Approval Policy Issuance & MaintenancePortfolio Quality MonitoringProduct Design, Approval & Launch (indirect)System Development Requirements & TestingCredit Underwriting