Ivica Zuro

• Preparation of projects of legal entities for financing through regular borrowing channels • Work on projects of manufacturing companies for EU support for green and digital transition • Financing from development agency and bank HAMAG and HBOR, respectively, and through subsidies from local government units • Real estate investment consulting

Contributed in production of plans of cultural and historical heritage management for various local units of administration, thus helping 3 municipalities and 1 city in Dalmatia to preserve their material history heritage Helped to emerge new business ventures D16 Coffee Split and EPSN by Ante Burilovic by preparing business plans, conducting market analysis and business development perspectives

• Coordination of the fintech company opening project in Croatia • Coordination of the operations between the local law firm and main company in London; liaising with the local law • firm, contributing to the requirements of local regulator, working on the outsourcing processes and 3rd party risks • Identification of strategic partners, potential service providers • Preparation of documents in accordance with PSD2 regulative, formulation of strategic plans and other services

Participating in integration of business systems Splitska banka dd with OTP banka dd into OTP banka Hrvatska Continuation with processes as at previous position in Splitska banka dd.

Led team of 90 employees retail and SME Developed and promoted 34 people to higher ranks Increased product average per client by 38% Slashed portfolio COR by 57% during tenure Initiated loans for tourist facilities and non-life insurance Took part in organization improvements working in committees for coordination with service partner, Compliance and Business Risk Assessment Been member of Business Continuity Committee responsible for all branches Managed to decrease costs in average of 8,1% per year

Led team of 60 employees in retail and SME Developed and promoted 10 people to higher ranks Increased product average per client 12% Decreased portfolio COR by 9% during tenure Contributed in implementation phase of Private Banking service in bank and had been correspondent for region Participated as manager and coach in migration of bank core IT system Achieved costs optimization by 9% during tenure

Achieved 20% more earnings from non-risk bearing products while being coordinator of 4 RMs each managing portfolio of 300 SME clients Achieved reactivation of 10% of portfolio Conducted thorough financial analysis and worked on exposure applications on portfolio of 600 clients Coached 15 relationship managers with focus on sale development and portfolio management Took part in committee for improvement of procedures in business Participated in the functional testing of IT controls and reporting tools

Managed portfolio of 200 customers in HORECA wholesale and promotional partnership projects with distributors

Conducted portfolio management of 100 wholesale customers, with special emphasis on implementation of loyalty project ‘Plus market’ for clients Helped create and organize distribution of tobacco products produced by company now owned by British Tobacco. Did that while being in charge of organizing the supply of consumer goods towards INA and OMV petrol stations Participated in creating IT solutions in wholesale

Trading of various goods, focus on fresh food

Performing all types of financial transactions with emphasis on cash management with adjacent companies in Agrokor corporation. The preparation of financial business reports from the current daily to annual. Taking part in developing of annual plan of import quotas for capacities in cooperation Euroviba dd – Konzum dd.

Internship in Finance Office

Marketing Statistics Macroeconomics Graduation Thesis "Statistical Analysis of Basic Macroeconomic Indicators in the Economy of the Republic of Croatia during the period 1993-1998", graduated with honours