Adrian Andrei

• Direct responsible for performance of Internal Collection Team (~250 people) • Continuously monitor targeted budget and provision stock for a portfolio of Credit Cards, Consumer Loans, Overdrafts and Mortgages •Building of business requirements for the new processes and tools that require system modifications • Asses all the projects meant to improve Collection performance • Allocation of resources in order to suite business needs • Implementation of new collection tools • Portfolio performance monitor

•Direct responsible for performance of Internal Collection Team (~200 people) •Continuously monitor targeted budget and provision stock for a portfolio of Credit Cards, Consumer Loans, Overdrafts •Building of business requirements for the new processes and tools that require system modifications •Asses all the projects meant to improve Collection performance •Allocation of resources in order to suite business needs •Take part in negotiation of new contracts •Implementation of new collection tools

•Direct responsible for performance of internal collection for credit cards department including EFG and Bancpost products and High risk portfolio of consumer loans •Daily coordination of a team of 3 Supervisors and ~65 indirect subordinates in order to accomplish the purposed target for the year •Implementation of new strategies, procedures and criteria for a better performance of the whole portfolio •Participating in interdepartmental projects •On request reports regarding performance of the portfolio

• Daily coordination of department activities for the call center (on-duty shifts) • Coordinating a team for achieving the desired results • Supervising of Direct reports • First level of escalation for customer issues/ complaints • Analysing customer complaints and suspicious cases, and forwarding them to the competent departments • Permanent relationship with Customer Service and Operations teams • Organizing the team work and allocation of new tasks and responsibilities

• Supervising and coordinating the partner agencies in order to achieve the established target • Supervising the agents from the collection agency at its premises • Establishing individual and team productivity and performance targets at the premises of the collection agency • Monitoring daily activities at the assigned collection agency • Daily, monthly and ad-hoc reporting for monitoring and invoicing purposes for the agency assigned • Collaboration with the management of the collection agency

• Contacting customers having overdue amounts and collecting outstanding debits • Negotiating payments for offering the best solution for both the customer and the company • Offering instructions regarding payment methods • Reporting of special cases to the supervisors

• Analysis of the credit files according to the existing norms and procedures (checking the accuracy of the data received from the customer, establishing the creditworthiness) • Loan approval

• Administration of metropolitan internet network • Conclusion and negotiation of new contracts