Raluca Andreea G.

Experience

• 

  ING

  May 2012 - now

  Set strategic direction and deliver products and services related to payments and debit cards for Retail Portfolio of ING Bank’s clients:  Coordinate a cross-functional team and work together with own squad members having different expertise in order to make the change happen: Product Managers, Business Analysts, UX, IT Development Create the product vision and roadmap for debit cards and payment flows aligned with several stakeholders and taking into consideration innovation, market trends and customer journey, to ensure first-class customer experience Understand and apply business principles and external regulations Break down the work in predictable and prioritized epics, align these epics between all parties in the process chain, in order to bring payments and debit cards features at next level Prioritize defect or bug resolution, keep the backlog clean Manage and mitigate the impediments and dependencies between squads and tribes Actively participate and, if necessary, take initiatives to improve the collaboration between different stakeholders, and colleagues in other teams Manage your stakeholders in terms of expectations, dependencies, buy-in and make sure the delivered solution fit the customers’ needs Show less Design the business strategy, implement the business plan and identify new opportunities to: Acquire new individual customers Increase usage and optimize attrition in retail banking portfolio Define the retail product strategy for current accounts, wallet, cards, payments and value added services in terms of product characteristics, pricing, commercial strategy Analyzing market trends and evolution as to identify new performance enhancers Designing, together with involved departments, marketing and sales campaigns for the daily banking products Show less  Portfolio management and acquisition for Large Corporate Clients (with annual turnover greater than EUR100m), key accounts, local or part of large international groups and also for a portfolio of Middle Corporate in 9 ING Bank branches  Offer consultancy and ensure professional client advise for all products and services in own portfolio: management of current account liquidity and of incoming and outgoing flows Customized product offering and participating in complex RFPs Client meetings with Relationship Management in order to cover all related topics involved Arrange and structure the required proposals in a way that meets the client’s needs, while maximizing earnings per client portfolio  Calculate the profitability per client and assess impact on the department budget Maintaining business relationships with existing clients - in close co-operation with the Relationship/Branch Management Show less

  • Product Area Lead Payments& Open Banking, Retail Banking

    Mar 2024 - now

  • Product Lead and Product Owner, Cards and Payments, Retail Banking

    Mar 2019 - Feb 2024

  • Strategy Manager, Mobile Payments Experience, Retail Banking

    May 2018 - Mar 2019

  • Senior Sales Consultant Cash and Liquidity Management

    May 2012 - Apr 2018