Codruta Furtuna

Driving omni channel sales targeting state of the art customer experience.

Affinity business and travel. B2B & B2B2C. Managing 5LoBs, complex set-up, growth strategy, highly dynamic environment, huge diversity of activities. Entrepreneurship, innovative, leveriging the group assets in local market.

• Managing 3 departments, 3 direct reports and 27 RMs having national coverage through 147 branches • Growth & Turn around project Main responsibilities: • Business development and project management including product innovation, processes restructuring aiming to improve customer’s satisfaction & revenues growth • Campaign management: addressing through 7 touch points mass customers, aiming new customer’s acquisition or improving revenues/customer • Managing payroll and pensioners conventions and utility suppliers contracts

• Managing 4 direct reports, covering 127 branches, 370Mio EUR assets; 80Mil EUR liabilities portfolio and 6.000 active companies; • Restructuring and turn around project • Authorized by National Bank of Romania at 6th of March 2012 being the 1/5 lending and 1/3 commercial committees voting member Main responsibilities: • Accountable for the annual budget (revenues, loans, no of loans, no of new customers) and assure the quality of the new portfolio; • Improve customer’s journey and customer’s satisfaction by sponsoring new initiatives in business innovation, business generation • Leading actions in order to generate operational efficiency • Influencing and negotiating with internal and external stakeholders • Media speaker for the bank (congresses, presentation, TV interviews, and magazine’s statements, representing the bank with the state institutions); Main achievements: doubling new lending production YoY by implementing CRM, SLAs set-up that diminished “time to cash” from 4 months average to 3 weeks; new portfolio’s quality respected the NBR requirements in terms of Cost of risk

• 14 direct reports, 14 branches in 7 counties, generating 10.000 retail customers portfolio • Start-up project, contribution in process, procedures and product development, trainings Main responsibilities: • Investing in people skills, knowledge, approach and loyalty • Intensive customer’s acquisition, focus on customer’s centricity and on lending portfolio quality • Portfolio management (cash flow, product revenues, upgrading according to segmentation) Main achievement: top performing region for 3 years, low staff volatility, best employee satisfaction survey

• 8 direct reports covering Brasov county, Achieving a portfolio of 500 customers, assets: 3.5Mil EUR, liabilities avg. balance: 3 Mil EUR • Start-up project Main responsibilities: • Customer’s acquisition, management and deliver top quality services • Focus on lending portfolio quality Main achievements: • Top 1 branch in the region and top 3 branch in the country

• Covering 3 counties • Growth project Main responsibilities: • Identifying prospects via various channels • Understanding client's business and banking requirements from client site visit and prepare call memo to document potential leads • Conducting sales pitch to offer suitable solutions and services (Cash, Trade, FX, Loans etc.) • Discussing with clients and internal stakeholders on solutions, credit facility, pricing, terms and conditions etc. • Understanding client's business strategy and banking requirements to fulfill their needs and increase Citi share of wallet by maximizing cross sell opportunities leveraging the bank’s products and services •Building deeper engagement for existing relationships, creating a revenue generating portfolio with consistent return on risk capital and minimal credit losses

• Achieving targets – mainly new loans acquisition • Incomes optimization on existing portfolio – Xsell &upsell on existing portfolio Main achievements: Top 1 RM at country level ( team size: 250 RMs);