Andrei D.

Experience

• 

  Citi

  Dec 2010 - Aug 2017

  Project managed strategic initiatives and worked directly with the Middle East CEO & senior management team on business planning & reviews with regional / global stakeholders.Key projects & assignments (as a Project Manager):• Redesigned the Credit Cards & Loans customer journey & launched a Digital platform allowing prospects to apply for products online and receive instant credit decisions. Within 6 months from launch, organic lead rates increased by ~30% vs. the legacy application flow.• Re-engineered the card delivery process, reducing costs by 40% while improving fraud controls. • Co-developed a Location & Site strategy for the Consumer Bank (2017-2020), which allowed for savings from closures/relocations to be redeployed towards upgrading the branch network.• Managed the launch of a new Smart Financial center in Mall of the Emirates, leveraging technology to enable fast processes & a superior client experience.• Coordinated the refurbishment of the bank's Jumeirah Wealth Management center, transforming it into an ultra-high end business center for the bank's high net worth client base.• Rationalized IT hardware & software consumption costs, realizing a 6-figure cost save.Key projects (as a Team Member):• Launched an iPAD-based Sales Advisory tool for Wealth Management clients, covering investment risk profiling, designing of custom asset allocation portfolios, execution of investment transactions & portfolio tracking.• Executed marketing initiatives aimed at sales productivity improvement in the bank's financial centers. Show less Acted as Product Manager for the Online Brokerage value proposition (Equities, Bonds, Mutual Funds), as well as managed the controls framework & monitoring of sales practices across all Wealth Management products.Key initiatives & results:• Grew the business from zero to 7-figures in annual revenues.• Implemented an online lead generation process for Investment products.• Trained 60+ Relationship Managers as part of the sales onboarding program.• Coordinated a Lean process improvement project that reduced handoffs from the Investment transaction booking process by 70%. Show less Managed the product value propositions for Mutual Funds, Online Brokerage & Structured Notes.Key initiatives & results:• Part of the team that achieved 75% CAGR in Investment revenues between 2010-2012.• Project Manager for launching the Online Equity & Fixed Income Brokerage business• Launched monthly structured notes linked to various underlying assets (commodities, stocks, share indices, FX) and with multiple payoff structures (hard/soft principal protection, range accruals, cliquet etc.) • Launched a digital Sales tool handling investment risk profiling and transaction suitability based on Mifid requirements, as well as facilitating the creation of tailor-made asset allocation portfolios. Show less

  • Business Transformation Manager - Middle East Consumer Bank

    Aug 2015 - Aug 2017

  • Product Manager - Wealth Management

    Jun 2013 - Jul 2015

  • Project Manager - Launch of Equity & Fixed Income Brokerage Business

    Feb 2013 - Jun 2013

  • Product Manager - Investment Products

    Dec 2010 - Jan 2013
• 

  All Hands and Hearts - Smart Response

  Nov 2017 - Feb 2018

  Sabbatical/Volunteer

  Volunteered with ‘All Hands and Hearts’, an NGO providing support to areas impacted by large scale natural disasters. I was part of the Nepal mission, helping to build 3 schools in the under-developed mountain district of Sindhupalchok.

• 

  EY

  Sept 2018 - Mar 2020

  Within the EY wavespace Innovation center, we worked on solving critical business challenges through innovative technical solutions. Our goal was to go from idea to workable Minimum Viable Product in the shortest amount of time with the least amount of resources. My day to day role usually entailed working with stakeholders on business modeling, identifying the riskiest assumptions and helping to build a prototype to validate these with real end users. As part of EY's Advisory team, I worked with clients in the Financial Services sector on helping them grow, optimize and protect their business. My areas of expertise include Process Optimization, Digital Transformation, as well as new regulatory implementations such as PSD2.

  • Program Manager - EY wavespace Innovation center

    May 2019 - Mar 2020

  • Senior - Financial Services | EY wavespace Innovation Center

    Sept 2018 - Apr 2019
• 

  Filbo

  Mar 2020 - Sept 2023

  Head of Product

  End to end oversight of product strategy & platform development, from the birth of the Filbo digital brand until reaching overall business profitability.Key achievements during this period:• Coordinated the Product Roadmap using an OKR-based framework, recruiting & managing a team of 2 Product Owners.• Launched an MVP in 45 days, allowing us to digitally onboard new clients in the early days of the COVID pandemic.• Launched the first end-to-end digital process for small business lending in Romania, incl. online KYC & e-signatures, catering to a diverse set of small entrepreneurs: micro-enterprises (<2mil EUR turnover), freelancers & small farmers.• Created business requirements for a new lending back-office platform.• Implemented a new Core Banking System, fully cloud-based.• Managed UX UI design for Filbo's web platform.• Launched an omni-channel experience where clients can either apply online for a self service journey, or loan advisors can input loan requests in a backoffice platform (for non-digital savvy clients).• Launched FilboAgri - a dedicated financing solution for farmers of large crops with an automated credit analysis engine & approvals in <24hrs.• Implemented a new Risk scoring engine.• Created & implemented the company's embedded finance strategy: allowing 3rd party platforms to integrate business lending experiences in their user journeys by leveraging Filbo's embedded finance APIs – winning the "Best embedded finance use-case" award at the Romanian Future Banking 2022 conference. Show less

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  HeyBlu

  Sept 2023 - now

  Head of Product Strategy & Development @ HeyBlu by eMAG