Crisanda Copilu

Experience

• 

  BTR Asigurari si Reasigurari

  Sept 1999 - Mar 2001

  Marketing Officer

  The main responsibilities:• Direct selling to the existing customers and finding permanently new customers in order to increase sales• Developed strategies for ongoing sales with maintaining existing customers base and high level of customer satisfaction• Monthly clients report (about their possibility to grow, etc.) • Designing promotional activities

• 

  REX 2000 SRL

  Apr 2001 - Oct 2003

  Sales and Marketing Manager

  The main responsibilities:• Developing and implementing sales strategies• Define strategic and short term plans and actions for Sales and Marketing Department• Managing the sales budgets• Employees recruitment and training• Tracking and improving continuously the sales performance• Improving the inventory management – reducing costs• Initiating and developing the sub-distribution system

• 

  CREDIT EUROPE BANK (ROMANIA) S.A.

  Nov 2003 - Mar 2006

  Direct Sales Deputy Manager

  The main responsibilities:• Building and leading a team of 16 people, coaching, motivating and training them to improve their sales skills • Developing and implementing sales strategies• Organize, supervise and train the sales team leaders in order to enable them to operate and perform efficiently and effectively • Recruiting salesperson having the essential skills and creating a career path for the sales people

• 

  UniCredit Bank Romania

  Mar 2006 - Nov 2008

  Regional Sales Manager

  The main responsibilities:• First I was hired as Project Manager for developing and implementing a project for setting up an alternative sales channel (DSA-Direct Sales Agents) in order to increase sales figures for retail products, acquire new customers (increase clients database), increase retention rate, improve service model, increase bank’s presence and awareness, deliver financial services for the clients without coming to the branches.• During the project I had to define the structure, size and area of activity of the DSA sales teams, together with the monthly objectives in order to establish the compensation system and reach the profitability for DSA.Implementing the Pilot of the project in Bucharest and evaluation of results/Reporting system• After the pilot my position was changed in Regional Sales Manager and the main responsibilities were: roll-out of the project at country level, recruiting, coaching, motivating and coordinating DSA team consisting of 30 people, creating a career path for the DSA, etc. Afișează mai puține

• 

  BNP Paribas Personal Finance

  Nov 2007 - now

  The main responsibilities:• Managing the activity of the Risk analysis and Monitoring team and leading them to the highest performance results• Steering and anticipate the cost of risk toward P&L objectives• Supervising the calculation process of the provisioning coefficients using statistical models for risk anticipation according to the Group guidelines and IFRS9 methodology• Supervising the portfolio monitoring, risk analytics and reporting of the risk indicators together with additional analysis in case of deviations from the forecast • Supervising the statistical/analytical studies on trends, deviations, correlations (i.e.: back testing, stress testing)• Pilot the projects for risk technology/IT on improvement and development of existing / new automation tools or other projects within the department • Increase the share of the automated tasks and implementation of Power BI platform in order to increase team efficiency Afișează mai puține The main responsibilities:CRM and Business Analytics• Develop strategies for effective data gathering, analysis and reporting• Ensure the interpretation of the specifications received from the business areas and the implementation of the analytical approaches and methodologies in order to provide insight into business performance for each business line - using SAS and Excel• Present in-depth analysis and reports to management for use in decision making and strategic planning• Plan and deliver CRM strategies by working with cross functional teams in order to improve and optimize customer communication during the lifecycle• Monitor and maximize customers’ lifetime value strategies ensuring maximum profitability.• Ensure the effective segmentation of the database for targeted marketing activities, by analysing customers’ behaviour, product equipment and database seniority.• Supervise commercial campaigns effectiveness in terms of net response rate, additional production and profitability and identify areas for improvement and propose solutions.Product Development• Develop and implement Consumer Loans products strategy• Manage resources across the product team to make sure all product managers and products have what they need• Foster cross-functional cooperation and serve as a liaison between the product team and the company’s stakeholders Afișează mai puține The main responsibilities:• Drive credit card strategy, development priorities, and product release plans throughout the product life cycle from initial idea through development, launch, ongoing operations and expansion of product.• Coordinating the commercial activity regarding card product management: • Building credit card budget – estimating volumes, costs, forecast the evolution of the main KPIs• Development of the sales tools in order to sell the credit cards.• Continually reviewing existing product range, processes and sales channels to ensure credit cards are aligned to the desired target segments; manage all steps of credit card life cycle.• Promotional plan development, implementation and calculating the efficiency for each action• Portfolio management and analysis in order to increase the activation, retention and usage of the cards.• Monitoring of the competition and markets to ensure that opportunities and threats are correctly and in-time identified Afișează mai puține

  • Test Team Lead

    Mar 2023 - now

  • Credit Risk Monitoring Manager

    Apr 2020 - Feb 2023

  • CRM, Business Analytics and Product Development Manager

    Jan 2015 - Mar 2020

  • Card Product Manager

    Nov 2007 - Jan 2015