Alla Slobodeaniuc

- Led end-to-end delivery of TF Bank’s Ratenkredit and Umschuldung products for Germany & Austria, ensuring full BaFin, KYC & AML compliance. - Acted as Product Owner in Agile setup, managing SDLC/PDLC across six countries and API integrations with Check24, IDnow, Banking Circle, Experian, SCHUFA. - Improved approval rate 20→28%, cut time-to-cash 24h→12h, maintained NPL 2–3%.

- Acted as IT Product Manager & Scrum PO, owning full SDLC for digital lending and CRM platforms across the Baltics. - Delivered BaaS/API integrations with KYC/AML and payment services, ensuring DORA compliance and faster onboarding. - Led Agile teams in Estonia & Lithuania, managing BRD, backlog, releases and post-launch support. - Partnered with Raisin (Germany) on a cross-border deposit product and automated risk dashboards in Power BI, cutting reporting 2 days→2h.

- Completed full Scrum Product Owner certification track (CSPO, A-CSPO, CSP-PO) and gained advanced expertise in Agile delivery, testing (Gamma Intelligence Training Centre), and AI applications (ICAgile). - Consulted early-stage fintech startups on product discovery and process optimization. - Continued German language studies (Goethe B1 certified, B2 in progress).

- Delivered refinancing, recurring payments, and Forward Flow (NPL Sale) automation platforms, increasing automation to 85% and reducing manual work by 40%. - Launched CRM and CTI solutions, boosting campaign conversion and retention (+15%). - Supported BI-based risk reporting for improved portfolio monitoring.

- Led Smart Agent 2.0 (AI CRM) rollout, improving agent productivity by 30%. - Launched FCMA mobile app for customer repayment and communication. - Standardized QA/dev processes, accelerating releases by 20%.

- Delivered Homer Select Core Banking modules and integrations with repayment platforms across Kazakhstan and Indonesia. - Rolled out Field Collection App, CRM and Genesys CTI integrations, automating contact flows and improving risk and customer data workflows. - Enhanced scoring and fraud logic, raising eligibility +10%, approval +8% with stable FPD 2–3% and NPL 5%. - Supported Group-level NPL sales and Forward Flow with compliant risk data and real-time reporting dashboards.

Held senior leadership roles in risk, governance, and product ownership across international banks. Key positions: - Director of IRU / Risk Manager, Commerzbank AG; - Head of Collection Strategy, Crédit Agricole; - Head of Credit Risk, BNP Paribas (Ukrsibbank); - Head of Corporate & SME Division, SEB Bank Ukraine; - Branch Head, Raiffeisen Bank Ukraine. Managed credit risk, collections, and restructuring across portfolios; supported core banking upgrades and regulatory alignment during mergers and crises.