Ionut Dicu

Experience

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  BCR Asigurari VIG SA

  Jan 2002 - Jun 2007

  HEAD OF CREDIT & GUARANTEES INSURANCE DEPARTMENT

   Continuous development and management of a robust portfolio of financial risk insurance products dedicated mainly to financial institutions (many of which where effectively pioneering products); Leading & coaching the financial risk insurance team; Strong involvement in company’s risk management activities, including the development of the company's risk management strategy; Meeting legal and group requirements in respect of financial risk management; Active involvement in the decision-making system of the company; Organizing extensive training sessions regarding financial risk insurance products and strategy with more than 100 employees from regional branches all over the country;  Analyzing department's need in respect of processes efficiency and automation; Analyzing business needs in order to develop new reports and new indicators according to operational strategy; Design and development of appropriate reports for daily activity control; Periodical specific reporting to ISC (Insurance Supervisory Commission)/ ASF Show less

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  Ager Leasing IFN SA

  Jun 2007 - Sept 2020

  HEAD OF RISK MANAGEMENT DEPARTMENT

   Responsible with knowing and applying accurately company’s internal regulations, as well as NBR’s specific to risk management; Taking an active role in the process of drafting and revising of credit norms and supporting their implementation; Developing risk policies and strategies, including risk management frameworks for significant risks, risk appetite & tolerance, risk profiling, risk reporting, stress testing; Managing and Monitoring the significant risks (credit, operational, market and reputation risks); Monitoring the large exposure groups and portfolio management according to the NBR regulations and internal policy;  Responsible for provisions strategies and policy (according to NBR regulations and IFRS standards); Developing internal procedures, guidelines and updates regarding AML/ KYC/ CFT + GDPR Responsible for remarketing strategies for the recovered assets: strategy of financing structure in order to minimize the risks and to increase the profitability of transactions; follow up the contracts until their maturity, exit strategies in case of default, recovery follow up and reselling process; identify trends and new opportunities for leasing contracts; inspection of the financed goods; Active member in the following committees: Credit Committee, Risk Committee, WorkOut Committee, Pricing Committee, Recovered Assets Evaluation and Strategy Committee, ALB Risk Comittee Establishing and maintaining relations with Insurance Companies;  Establishing and maintaining relations with suppliers; Managing communication with control teams of the National Bank of Romania; Active involvement (through ALB - Association of Romanian Financial Societies) in improving the legislative regulatory framework for non-banking financial institutions; Assets risk management; Key role in managing major energy projects (pre-financing, financing, monitoring of new/ modernized energy plants);  DPO Show less

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  SIMPLU CREDIT IFN SA

  Oct 2020 - Sept 2024

  RISK CONTROL DIRECTOR
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  MAI MAI Credit

  Oct 2024 - Jan 2025

  CRO - Deputy CEO
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  CLARET ©

  Jan 2025 - now

  Director General Adjunct | Deputy CEO