Process and Product Developer

EMINA KURALIC

phone +381-**-**-**-***

skype emina.kuralic

e-mail ************@*****.***

address Solunska 7, 21000 Novi Sad

Republic of SERBIA

Personal Information

Date of Birth: April 16th 1983 Nationality: Serbian Relocation: willingness to relocate either, domestic and international Free Time Spent with family and friends, in nature, traveling, meditating, reading, playing squash, volleyball, hiking, sudoku

Professional Summary

Emina is a strong and open minded person, forward looking proffesional with a background in management, banking, finance, development and IT. She is very results and success oriented which she has proven in her results over ten years of experience in her chosen fields: sales, human and portfolio management, finance, risk, staff training, process and product development. She is a promoter of Dharmic management and she herself is very self motivated, energetic and passionate in providing excellent customer service and care as well as overcoming expectations and targeted goals. To achieve this level she is positive, highly analytical and organisationally oriented. Although strong minded, Emina is very team focussed and excels as a team builder, developer and initiator. She is ambitious and enjoys developing her professional career through self promotion and study.

Work Experience

Product and Process Senior Project Manager in Development Department November 2016 - present

ADDIKO BANK AD, BELGRADE, SERBIA

Management of fully automating and paperless/online process for an account opening

Management of fully automating and paperless lending process for legal entities and agro

Corporate process optimised - OPEX decreased, sales and number of clients enlarged

Transaction fees management - commission income increased

Three very successful sales campaigns management

Continuously network support and trainings (micro and small companies)

Underwriter for a risk decision over-ride (micro and small companies)

SME Sales Coordinator and SME Department Developer Jun 2016 - November 2016

OTP BANK AD, NOVI SAD, SERBIA (5 months)

The induction of a new/SME segment, setting the organizational structure, team, processes, products and services

Sales force development; SME portfolio management - annually plan fulfillment for only 4 months engagement

Taking participation in fully automating lending process for micro and SME clients

Relationship Manager for SME Companies, Financial Adviser, Team Leader January 2012 - Jun 2016

CREDIT AGRICOLE BANK AD, NOVI SAD, SERBIA (4 years, 5 months)

SME client portfolio management, productivity 180 – 210% without NPL. The best RM in Y2012 - 2014

Team Leader (4 micro RMs) – team members development, training, motivation, support, productivity 120 – 160%

Credit Analyst – ocasionally engaged by Credit Department

Client Relationship Manager for Micro Companies August 2007 - January 2012

PRO CREDIT BANK AD, BELGRADE, SERBIA (4 years, 5 months)

Micro client portfolio management, productivity up to 190%. The best RM in Y2008

Younger colleagues coaching (16)

Lecturer in ProCredit Bank Academy

Education

MSc in IST Organization, Engineer of Organizational Sciences in IST 2002 – 2007

UNIVERSITY OF BELGRADE, FACULTY OF ORGANIZATIONAL SCIENCES, SERBIA

Master and Bachelor Studies Department for Information Systems and Technologies

SECONDARY SCHOOL OF ECONOMICS, GORNJI MILANOVAC, SERBIA 1998 - 2002

Seminars and Trainings .

HART Agency: Time Management (2017)

McKinsey & Company: Voice of Customer, Operational Efficiency, Lean Management (2017)

Op2M - Optimize to Manage: Standardization and Optimization of Lending Process (2016)

Open University Australia (online courses): Financial Planning, Diagnosing the Financial Health of a Business (2016)

OTP Bank: Treasury operations, Factoring (2016)

Success - Here: Dharmik Management and how to effectively manage time and priorities, adopt a positive attitude in stressful situations, act positive and motivating with environment (2015 - 2016)

Financial courses: Basic and Advanced Financial Analysis course (2016)

Credit Agricole Bank: Accounting (2012), Communication Skills (2013), Portfolio Management (2013-2016), advanced courses in Finance and Risk (2013-2016), Human Management (2014-2016), Emotional Inteligence (2015),

The Academy of Financial Trading: webinars about stock market operations (2013)

Cotrugli Business School: Leadership without authority; Global Strategy and Operational Excellence (2011)

Adizes Institute: Time Management, Motivational Methods, Improving Relations with Customers (2008 - 2009)

ProCredit Bank: Communication Skills, Sales Skills, Portfolio Management, Emotional Inteligence (2007 – 2011)

Language Skills .

English very good (C1)

Spanish basic (A2)

German basic (A1)

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