Lubova Goldsmite

• Analyzed and optimized financial processes and systems, enhancing operational efficiency across departments. • Led the implementation of a central module in Insurance Risk Management software, streamlining financial reporting and analysis. • Coordinated Business Continuity Plans for Treasury and Customs, ensuring resilience and compliance within financial operations.

Developing effective digital journeys solutions to meet simplified & data driven approach: • Product Owner: user stories prep; backlog management; stakeholder engagement. • Thoroughly delivered Business Cases for S - XL size projects • Introduced Pre-Collections strategy that reduced credit risk of aged items • Partnered closely with tech and ops teams to outline proposal on integration Robotic Solutions (RPA) in Fraud department

Complex, multifunctional role in a Start-up environment • Led agile development of the Collections Data Warehouse while managing a diverse team of BI, SRE and credit risk. • Coordinated implementation of new Forbearance Tools that improved customer experience and resulted in 12% higher cash collected • Outlined the process flow for Payment Holidays in 4 subsidiaries thus dynamically adjusted to C-19 new "normal" • Owned monthly Global Collections reporting meeting

• Owned all Quality Assurance functions and Strategy monitoring for global team (4 subsidiaries) • Supervised transition of Collections to new CRM and signed off more than 80% of all requirements • Optimised performance through the implementation of innovative methodologies that decreased the cost of communication by c.a. 50%

• Provided Collections teams in 4 subsidiaries with the methodology documents (NPL Sales, External Collection, Global Collection Strategy) • Developed and integrated bonus calculation procedure for agents delivering a 15% average improvement in both cash collected and contact rate • Introduced a new evaluation QA matrix for call quality check that drove the right contact rate to increase by c.a. 30%

• Drove a major decrease in past due amount from 11% to 2%. • Fostered collaborative relationships with Sales Managers and promoted a culture of continuous development; improving key accounts’ payment habits. • Performed UAT for SAP integration in the US Collections team.

• Managed the accounts receivable/payable processes across the teams • Reconciled statement of accounts on a weekly basis and closed books 100% on time • Prepared and validated a portfolio of legal documents for 1000+ customers