Self employed

• Develop comprehensive financial plans, including forecasting, budgeting, and three-statement models • M&A and post-merger integration for financial processes, reporting and data • Advise on capital optimization, pricing, cost reduction, and financial restructuring • Model and plan financial services products such as payments and loans

Bank99 Austria

• Led the financial strategy and planning following the acquisition of ING Austria (x2 business size) • Led a team of 9 employees in controlling and procurement during and post merger • Created the 5-year capital plan, optimizing a balance sheet of >€3bn, ensuring regulatory ratios stability and obtaining capital injections from shareholders • Developed pricing models and analytics, improving P&L by >€10m p.a. and driving pricing decisions during increasing interest rates and market instability • Implemented budgeting and control processes for investments of over €50m, resulting in 100% improvement in cost reduction targets • Introduced new procurement function and negotiated suppliers budgeted at >€5m

ING Group

• Achieved the top rating within a year and played a pivotal role in the successful sale of the Retail business to bank99 (+220 employees, €1,8bn balance sheet) • Rebuilt a team of 5 during the Covid19 crisis and market exit for ING • Handled multiple tasks and tight deadlines during the sale process (finance data rooms, due diligence, NPV modelling and presentations for exit scenarios) • Steered the finance processes during the confidential phase of the market exit • Modelled Zero-Based Budgets, product analytics and ROE, to determine the value for the Retail and Wholesale banking split, sale and exit options for ING • Managed Wholesale Banking finance and ensured the transition to ING Germany

American Express

* Leading the Int'l Travel and Lifestyle Services (TLS) financial processes * Delivering periodic forecasts, managing monthly risk & opportunity assessment and long range planning * Tracking performance of investments and business transformation initiatives to inform trade-offs and financial decisions * Supporting Global teams on strategic projects, market and business analysis * Managing a team of 12 across international offices

American Express

* Implemented the first investment performance monitoring – tracking over 90% of cards acquisition investments across 22 markets to inform trade-offs and optimize the portfolio * Responsible for customer behavioural insights and analytics to fuel the ROI optimization for a $500mm sales and marketing budget * Built bespoke analytics and forecasted innovations, "test & learn" pilots and other digital initiatives to drive acquisition and retention in the online space (search, display, social media); tracked progress on opportunities * Completed business unit alignment and enhancement of financial valuation model for loyalty sales and marketing spend * Managed technology and operations investment budgets (over $100m) ensuring expenses control and trade-offs

Unicredit

Developed global restructuring plan for loans operation division (more than 1k FTE) in close collaboration with country heads, designed target operating model and identified reengineering levers - Headed the division's strategic production planning across 4 markets including cross-border workload balancing, global sizing and reporting to top management - Kicked-off various outsourcing projects for loans operations in retail and corporate banking in Czech Rep, Germany, Italy and Romania - Led the loans workstream for several high-profile benchmarking studies involving more than 15 UniCredit subsidiaries

Unicredit

Assessed mortgage market potential and competitive dynamics for high-growth CEE countries; forecasted top and bottom line P&L for the international expansion - Developed turnaround plan for the mortgage business in Germany leveraging process improvements and retail products cross-selling - Designed consumer loans division in Poland including blueprint definition, sizing, processes and technology requirements; fed integrated business plan using market scenarios and different funding solutions to support the business growth - Defined target organizational structure, headcount allocation and synergies during post-merger integration of two UniCredit legal entities - Tutored an international team of six throughout a group-wide management development program (6 months assignment); coordinated the delivery of a mortgage strategy for the Hungarian branch

Unicredit

* Supported implementation of state-of-the-art loans assessment system and evaluated process effectiveness in relation to consequent KPIs * Trained and supervised new team members in mortgage loans processing, overseeing operating risks and workload distribution * Managed relationship between loans operations team and bank branches ensuring high-quality service standards

Insead

Academia De Studii Economice Din București

National College Bp Hasdeu Buzau

Harvard Business Publishing

Stanford University & DeepLearning.AI