Simona Saru

Experience

• 

  BCR

  Sept 2006 - Oct 2008

  Responsibilities:• Promote and sell the products and services of the BCR Group, offering consultancy to existent and potential clients from the micro enterprises category (companies with a turnover up to 1,000,000 EURO) and physical authorized persons • Administer my own clients portfolio • Analyze the clients credit applications • Identify clients requests and sales opportunities, through cross-selling activities • Attract and retain clients by providing consultancy and sales services, according to the bank’s quality services • Provide information to colleagues regarding credit products for micro enterprises as product expert Show less

  • Micro clients advisor

    Jul 2007 - Oct 2008

  • Retail clients advisor

    Sept 2006 - Jul 2007
• 

  OTP Bank Romania S.A.

  Oct 2008 - Feb 2012

  SME Product Manager

  Responsibilities:• Contribute to the development of the commercial strategy of the Bank (products, pricing, etc.) to insure a range of market and client oriented products and services• Develop and administer a profitable products portfolio for the Retail legal entities segment, compare the results achieved with the initial objectives, monitor the clients and competition reaction, propose and operate amendments if needed• Identify and implement development opportunities for the Retail segment, including the ones that involve the other entities within the group• Collaborate with other directorates involved in legal entities product development for implementing common products and services• Define the functional requests for the products and/or services addressed to Retail legal entities clients, draft the implementation plan for these products and services, participate at their testing and implementation• Analyze and assess the impact of developments requested or already implemented for all entities involved• Identify possible delays in the products implementation flow and draft and agree together with the other directorates involved a plan for remediation and delays recovery• Monitor the products utilization and profit margin to insure prompt response, efficient positioning and profitability, and draft improvement proposals if the case• Formulate proposals for modifying Retail legal entities interests and commissions, taking into account market conditions, clients behavior and allocated budget• Monitors and analyze market evolutions• Maintain a good communication with the sales force for the purpose of understanding clients behavior• Offer support to the sales force for product related issues Show less

• 

  OTP Bank

  Mar 2012 - Feb 2014

  Manager of SME Products Management Department
• 

  OTP Bank Romania S.A.

  Mar 2014 - Jul 2022

  Manager, SME Sales Support Department
• 

  OTP Bank Romania

  Aug 2022 - Jul 2025

  Deputy Director
• 

  Banca Transilvania

  Mar 2025 - now

  Deputy Director

  Coordinating the activity of Lending Product Management for companies.Driving innovation in Micro, SME and Corporate lending.