Mihaela Iacoban

Experience

• 

  UniCredit Bank Romania

  May 2007 - Mar 2018

  •Assess factoring transactions proposed by the sales force and propose the most appropriate factoring structure•Collaborate with various departments within the Bank, such as: Legal, Tax, Fraud, Restructuring, EU Funds, etc, as needed•Monitor the factoring portfolio and propose changes to existing factoring structures, if necessary•Proactively identify risk factors and propose optimal mitigants•Restructure existing discounting and short-term loans facilities to minimise bank exposure and provide viable solutions for the customers•Provide continuous support to the bank’s sales force in concluding Factoring agreements with the customers•Offer expert advice across all client segments (Large, Multinational, Corporate, Retail) •Work closely with the sales force to implement the sales strategy and meet budget requirements•Negotiate contract’s clauses with clients•Monitor customer preferences to determine focus of sales efforts and propose factoring solutions that would meet or even anticipate their needs•Provide in-house training for new and existing staff, and provide ongoing assistance in business development, customer meetings and product presentations Show less •Organise and conduct training sessions on Aquarius software for internal clients•Handle operational tasks related to the factoring activity including assignments, disbursements, collection of invoices, disputes settling, renewal, modifications and internal documentation and approvals•Manage relationship with factoring buyers on the collection side•Manage relationship with FCI counterparts regarding export and import factoring transactions, including invoices assignment, payments, disputes handling, commission payment•Participate in defining internal factoring procedures Show less

  • Senior Relationship Manager Corporate Factoring

    Jul 2012 - Mar 2018

  • Relationship Manager Corporate Factoring

    Jan 2010 - Jul 2012

  • Product Specialist

    Jan 2009 - Jan 2010

  • Loan Administrator

    May 2007 - Jan 2009
• 

  ING

  Mar 2018 - May 2021

  Business Strategy Manager Factoring

  Act as the Subject Matter Expert (SME) for factoring products within the Bank. The main activities include: •Collaborate with relevant stakeholders to define the factoring products considering legislation, the local market, commercial requirements, and the Bank’s risk strategy •Lead the approval and implementation of the new factoring products within the Bank •Review and improve E2E internal flow, coordinating the implementation of the approved changes•Review and approve internal procedures and factoring contract •Identify appropriate factoring structure for each client while mitigating risks for the Bank•Collaborate closely with the Bank’s sales force to identify growth opportunities for the factoring portfolio and ensure that the KPIs are met•Conduct client management activities such as factoring product presentation, sales meeting, factoring contract negotiations, and provide consultancy during the factoring contract on various aspects raised by the client. Additionally, monitor closely factoring clients activity and propose changes, if needed, in order to sustain their needs •Conduct internal trainings for colleagues to help them identify factoring opportunities and deliver compelling factoring presentation to clients•Monitoring the evolution of the factoring portfolio and present updates to all relevant stakeholders •Collaborate with third parties (insurers , FCI Factors) for non-recourse transactions Show less

• 

  Deloitte Digital Romania

  Jun 2021 - now

  As Delivery Lead: •Lead agile delivery teams, globally distributed (30 FTEs, including tech leads, BAs, QAs, BE & FE)•Facilitate agile ceremonies (daily stand-up, sprint planning, retrospective)•Work with Product Owner to define the epics in detail, ensuring a clear understanding of the business requirements at team level•Create and maintain an accurate Jira Board, collaborating with TL and PO to prioritise the backlog•Enable blockers and proactively identify and address risks•Maintain ongoing communication with the team members, prioritising their well-being, and fostering personal and professional growth •Collaborate with stakeholders to offer an enriching professional experience to each team member•Monitor delivery performance and propose well-reasoned adjustments for future sprints •Evaluate team members performance, providing constructive feedback and offering support towards their desired career path As Business Analyst | Scrum Master:•Understand customer business requirements and split them in user stories•Ensure the scope of work, from business perspective, is well understood by the entire team•Drive and facilitate agile ceremonies (daily & retrospective)•Key person for enabling the communication within a team of 16 members (BAs, QAs, BE & FE devs, SA, OPS) and across teams •Collaborate across the project to identify dependencies and risks•Act as a liaison between the client and the development team to clarify requirements•Collaborate with UX/UI to define the design and user journey based on client requirements•Present to the Client the team’s work and follow-up the sign off, offering promptly any additional detail•Review the acceptance test cases based on technical specifications and requirementsAdditionally, I have actively contributed to the BA community and internal Learning & Development programs, leveraging my experience and skills. Furthermore, I have been coach for junior colleagues. Show less

  • Manager

    Jun 2023 - now

  • Senior Consultant

    Jun 2021 - May 2023