Ruxandra Jinga

Experience

• 

  UniCredit Romania

  May 2005 - Jun 2007

  Personal Banker

  • Analyze customers needs, considering all mix of available products• Together with the customers, plan the type of desired financing, taking into consideration the available liquidity, level of risk and clients preferences in terms of products and preferred range of investments;• Prepare and sustain banking product presentation to companies• Fulfill profit growth objectives for the portfolio of customers (individuals)• Fulfill the assigned sales objectives• Dynamically manage the assigned portfolio and ensure an increase in the number of customers by capturing opportunities of development and implementing schemes for the new clients acquisition;• Distribute and exchange constantly the acquired knowledge about the clients, via information technology tools, to all levels of company;• Negotiate with the customers terms and conditions of products and services• Issue proposals to grant varied loan facilities and preparing the credit file to be presented further for approval.• Communicate new product and service opportunities, special developments, information, or feedback gathered through field activity to appropriate company staff Show less

• 

  UniCredit Tiriac Bank

  Jun 2007 - Jun 2011

  • Create and manage a portfolio of products for individuals clients, competitive and profitable, in line with the strategy of Retail Division and compliance with internal/legal regulations; • Develop profitable products dedicated to specific categories of clients which are required on the banking market;• Product implementation: features, functions, system specifications (core banking and other systems used by the bank) and operational procedures;• Sustain and organize product training session/workshops for sales advisors • Monitor the banking market and the economic environment in order to maintain the financial performance of the retail banking products as well as improve them, if necessary;• Provide data needed to develop business plans and models of profitability for new products• Develop commercial campaigns• Propose and negotiate new products or improvements on the existing products with the other departments in the bank• Monitor the results of the products sales, performing cost-benefit analysis on the types of products• Identify and resolve client concerns Show less • Create and manage a portfolio of products for individuals clients, competitive and profitable, in line with the strategy of Retail Division and compliance with internal/legal regulations; • Develop profitable products dedicated to specific categories of clients which are required on the banking market;• Product implementation: features, functions, system specifications (core banking and other systems used by the bank) and operational procedures;• Sustain and organize product training session/workshops for sales advisors • Create training materials• Monitor the banking market and the economic environment in order to maintain the financial performance of the retail banking products as well as improve them, if necessary;• Provide data needed to develop business plans and models of profitability for new products• Develop commercial campaigns• Propose and negotiate new products or improvements on the existing products with the other departments in the bank• Monitor the results of the products sales, performing cost-benefit analysis on the types of products• Identify and resolve client concerns Show less • Analyze customers needs, considering all mix of available products• Together with the customers, plan the type of desired financing, taking into consideration the available liquidity, level of risk and clients preferences in terms of products and preferred range of investments;• Prepare and sustain banking product presentation to companies• Fulfill profit growth objectives for the portfolio of customers (individuals)• Fulfill the assigned sales objectives• Dynamically manage the assigned portfolio and ensure an increase in the number of customers by capturing opportunities of development and implementing schemes for the new clients acquisition;• Distribute and exchange constantly the acquired knowledge about the clients, via information technology tools, to all levels of company;• Negotiate with the customers terms and conditions of products and services• Issue proposals to grant varied loan facilities and preparing the credit file to be presented further for approval.• Communicate new product and service opportunities, special developments, information, or feedback gathered through field activity to appropriate company staff Show less

  • Product Manager Account Services

    Feb 2009 - Jun 2011

  • Product Manager Lending

    Feb 2008 - Feb 2009

  • Relationship Manager Individuals

    Jun 2007 - Feb 2008
• 

  BCR

  Jul 2011 - Jun 2015

  Product Manager Bancassurance Products for Unsecured Loans

  • Develop profitable products dedicated to specific categories of clients which are required on the banking market;• Product implementation: features, functions, system specifications (core banking and other systems used by the bank) and operational procedures;• Sustain and organize product training session/workshops for sales advisors and business partners• Create training material/awarding events for sales force and business partners together with HR and PR Department• Monitor the banking market and the economic environment in order to maintain the financial performance of the retail banking products as well as improve them, if necessary;• Provide data needed to develop business plans and models of profitability for new products• Monitor the results of the products sales, performing cost-benefit analysis on the types of products• Maintain the relationship with Insurance Company, negociate new insurance/insurance cost conditions and all activites involved in designing new insurance products/commercial campaigns Show less

• 

  ING

  Jun 2015 - Sept 2021

  • Product Lead Savings, Investment & Insurance

    Nov 2018 - Sept 2021

  • Head of Insurance

    Apr 2016 - Nov 2018

  • Business Strategy Manager - Insurance

    Jun 2015 - Apr 2016
• 

  Dell Technologies

  Sept 2021 - Apr 2025

  Project manager - Automation Experience Team
• 

  BNP Paribas Cardif

  Apr 2025 - now

  Business Development Head & Deputy CEO