Luxoft

Senior Business Analyst

OTP Bank Romania

Managing requirements for a document management system:
- analyzing requirements from different lines of business;
- designing workflows for different processes and analyzing the changes needed in the manual uploading interface;
- analyzing current format of "json" files used for automatic upload of files for possible reuse or for indicating what needs to be changed for applications communicating directly with the document management system.
Managing other types of requirements from  lines of business by gathering requirements, designing workflows, drawing specifications, discussions with technical teams (e.g. new form for HR, requiring and modifying field properties in the core system interface).
Performing smoke tests after developments before being tested by the testing team or the line of business.
Testing other developments with the testing team  by designing test cases and executing them.

Business Analyst

Vauban

Acting as a Business Analyst for the partners of the company.

BNP Paribas Personal Finance (Cetelem):
Working on unifying the loan processing applications for several companies from the group;
Discuss the required changes with both business and IT departments in order to ensure the same understanding of the future processes and system functionalities;
Analyzing the current system in order to identify the functional gaps between the system functionalities and current Romanian business workflow;
Creating and updating the functional specifications for the Romanian business needs;
Discuss and follow the implementation of the required changes in the procedures, workflows and policies with all the departments involved;
Support the IT team during the development and adaptation process.

Alpha Bank Romania:
Analyzing the business impact of IFRS9 standard and MiFID2 regulations on the internal procedures and workflows;
Lead business sessions in order to gather requirements and establish acceptance criteria;
Create and update the specifications with all the required changes in the IT systems;
Discuss and follow the implementation of the required changes in the procedures, workflows and policies with all the departments involved;
Documenting the final set of business requirements to be agreed with the business side;
Provide detailed presentations of the requirements to the IT development team;
Support the IT team during the development process;
Documenting and implementing user acceptance test cases;
Support the business unit during the user acceptance testing and during the stabilization period after implementation on the production environment.

Connections Consult

Identifying automation solutions for the business processes;
Testing the developed solutions to check consistency with the business requirements;
Lead business sessions in order to gather requirements and establish acceptance criteria;
Drawing up and/or adapting the business workflow both from business and databases/systems perspective;
Interrogating databases using SQL language to extract and analyze the existing data in order to check its consistency with the new requirements and to make the necessary changes where required;
Propose new fields/attributes to be used for reporting purposes;
Documenting the final set of business requirements to be agreed with the business side;
Provide detailed presentations of the requirements to the IT development team;
Support the IT team during the development process;
Documenting and implementing user acceptance test cases;
Support the business unit during the user acceptance testing and during the stabilization period after implementation on the production environment;
Analyzing the business impact of IFRS9 standard on the reporting environment.

Business Consultant in BCR

UniCredit Consumer Financing

Drawing up, submission for approval, coordinating and pursuing achievement of risk related action plans by participating in the implementation projects;
Drawing up and updating loan activity procedures from risk perspective;
Ensuring the good risk conditions for loan module to be delivered by developer and with safe risk conditions (requirements, procedures, tools, approvals) for the loan business activity subsequent to the IT development;
Testing of the IT application from workflow and risk rules point of view;
Coordination and adjustments of the performance indicators for determined periods of time (monthly, quarterly, yearly);
Drawing up and updating loan handbook for internal risk management activities (e.g.: checking rules, internal workflow, approval levels);
Collaborating to the draw up and update of loan handbook for external partners in regard with the risk rules (e.g.: acceptance criteria, product characteristics, required documents);
Ensuring that procedures, handbooks and loan documentation (e.g.: loan application, loan contract) are in line with legislation, internal decisions and group policies;
Obtaining of relevant data from the information system of the company in order to minimize the risk of credit portfolio of the company;
Periodical analysis of the risk parameters in comparison with the existing portfolio;
Analysis of the performance of sales channels;
Analysis of sales statistics and statistical analysis;
Creating and updating predictive models;
Applying analysis procedures for results to be provided for risk management;
Periodically monitoring the processing, reporting and communication of data.

Risk Specialist

Banca Comerciala Romana

Acting as interface between business lines and IT;
Project Manager for the allocated business requirements;
Analysis of business requirements impact upon procedures and processes;
Assessment of business requirements impact upon IT environment
Analisys of the  purpose and budget of the requirements;
Responsible for project documentation and project management;
Execution of requirements for proper use of both human and financial resources planned;
Coordination of user acceptance test;
Indentify dependences between business requirements in scope of alignement;
Support for planning, decision taking and procedures at department, bank or group level.

Business Category Expert

KBC Consumer Finance IFN

Establishment and enforcement of granting loans activity workflows and processes, as the company was a start-up;
Participation in process development for all company departments;
Creating risk policies and procedures and follow-up their enforcement;
Building the Risk Department structure, the needed positions and drawing up job descriptions for each role;
Recruiting people and building Risk Department team;
Building and coordinating Loan Quality, Credit Policy, Approval, Modelling&Analitycs Departments;
Testing all IT appllications involved in loan processes;
Portfolio quality monitoring trough indicators regarding its structure and payment behaviour of different customer categories;
Proposals of new indicators for identifying and measuring risks;
Definition of risk profiles of customers and partners;
Establishment of provisions policy and their monitoring;
Proposals for changes in risk policies and procedures for increasing the quality of the portfolio;
Monitoring, adjusting and implementing required chages in scorecards;
Implementing and monitoring required changes and incidents in the IT systems used in the loan process;
Collaboration with other departments for product development and improvement;
Monitoring the compliance of policies and procedures with Group practices, national regulations and best international practices.

Portfolio Quality Manager

Raiffeisen Bank

Coordinating the business analysts team;
Coordinating the projects involving the team;
Recruting needed staff.

Business Analysis Coordinator

Workflow analysis for loan processes;
Design of specifications for development of applications according to new workflows or regulations;
Collaborating in loan product development;
Defining test scenarios and testing and implementing new applications and new functionalities for these applications for individuals loan activity;
Training branches in using loan applications;
Reports regarding retail credit activity;
Helpdesk support for internal and external users;
Implementation of loan processing applications;
Working in projects regarding retail loan activity: 
 launch of new products (mortgage loans, secured personal loans, credit cards);
changes of internal procedures;
 implementation of regulations enforced by the National Bank of Romania;
 denomination of the national currency.

Analysis of individuals credit requests and submit them to approval; 
Support for branches regarding loan procedures.

Financial Analyst

Experienced professional in business analysis, system implementation, lending, risk management, credit policies, procedures, workflows, business development and project management.

Specialties: business analysis, retail loans, credit policies, workflows, workflow analysis,  processes,  policy analysis,  process engineering, loan quality.

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