Expert Details
Insurance, Banking, Fintech, Insurtech
ID: 739774
Hungary
- 20 years of experience working for multinational insurance, retail banking, fintech (banking software) and insurtech (online price comparison) companies.
- Proven track record of 10+ year managerial experience in insurance business as a business line manager with profit centre responsibilities, leading teams, driving business development activities, and also worked on several external strategic consulting roles.
- Strong domain expertise in insurance and bank from an industry, and strategy, product, risk and project management from a functional perspective.
Expertise:
- Industry: insurance / bank / fintech (banking software) / insurtech (online price comparison) / e-commerce
- Functional: strategy / product / risk / project / sales / marketing
Special experiences:
- Insurance: insurance products, online insurance solutions, insurance sales (agent, broker, bank, telesales, online)
- Fintech/Insurtech: digital financial products and fintech solutions, online price comparison, software development for banks/insurers
- Bank: bancassurance, product management and sales: investments, credits/loans/credit cards, accounts, pension fund, building society products, private banking
Region: - Central Europe / Central Eastern Europe / Hungary
Professional experience:
- Bank: Budapest Bank/GE Money, Cetelem Bank, Erste Bank
- Insurance: AXA, Vienna Insurance Group/Union
- Fintech: Netrisk, Employer
- Consultancy: Boston Consulting Group, Uniqa, CIG
Companies intimately familiar with:
- Bank: Erste Bank, Raiffeisen Bank, OTP Bank, K&H Bank / KBC, UniCredit Bank, CIB Bank / Intesa Sanpaolo, Hungarian Bankholding, Cofidis Bank, Cetelem Bank
- Insurance: Allianz, Generali, Genertel, Vienna Insurance Group, Groupama, Uniqa, K&H / KBC, NN / Nationale-Nederlanden, Signal Iduna, Alfa, Posta, Waberer, CIG
- Insurtech (Online price comparison): Netrisk, Biztositas.hu, Rankomat.pl, Epojisteni.cz, Srovnejto.cz, Superpoistenie.sk, Durchblicker.at, Klik.cz, Porovnej24.cz, Netfinancie.sk, Edrauda.lt, Bankmonitor, Bank360, Money.hu
- Fintech (Banking software): Employer
Education
| Year | Degree | Subject | Institution |
|---|---|---|---|
| Year: 2001 | Degree: MsC in Corporate Economics | Subject: Business Planning | Institution: University of Economic Sciences, Budapest (Corvinus) |
| Year: 1998 | Degree: MsC in Traffic Engineering | Subject: Car Engineering | Institution: Technical University of Budapest |
Work History
| Years | Employer | Title | Department |
|---|---|---|---|
| Years: 2021 to Present | Employer: Undisclosed | Title: Senior Business Consultant | Department: |
Responsibilities:• Providing consulting services at the banking software development fintech company, mainly for banks in Central and Eastern Europe. Exploring the problems of the bank's clientele, elaborating solution proposals, channeling the tasks for the IT development team. Managing projects related to the development of banking software, responsibility for the quality and deadline of software delivery.• Complete management of the client portfolio of 8-10 banks, performing complex tasks of account management, project management and product ownership. Product-side management of a 6-8 person development scrum team with an agile approach. |
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| Years | Employer | Title | Department |
| Years: 2020 to 2021 | Employer: Netrisk Group | Title: Head of Product Development | Department: |
Responsibilities:• Lead the product team of the market-leader online insurance broker group. Responsibility for the development of digital financial products with agile methodology. Responsibility for the Biztositas.hu brand. Product development, product management, product portfolio strategy and sales development of the products and responsibility for the operation.• Complete product portfolio management: lifecycle management of 50+ products of 15+ insurers. Project management related to digital financial products. As a leader: product team renewal, change management tasks in connection with intra-group mergers. |
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| Years | Employer | Title | Department |
| Years: 2017 to 2020 | Employer: Erste Bank | Title: Head of Product Management | Department: |
Responsibilities:• Lead and manage the business line of insurance and investment products, responsibility for the strategy, profitability, income. Responsibility for the insurance, investment, building society, pension fund products. Product development, product management, product portfolio strategy and sales development of the products and responsibility for the operation.• By optimizing product portfolio and rethinking sales strategy, achieve significant revenue growth: 16+ billion HUF annual revenue, 16% contribution to total retail banking revenues. Optimize sales channels: beside the 110+ branches build a dedicated call center with 45 operators and design an online sales channel concept. As a leader: renew the product management team, restructure responsibilities, fill missing positions, and stabilize the expert team. |
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| Years | Employer | Title | Department |
| Years: 2016 to 2016 | Employer: Boston Consulting Group | Title: Consultant | Department: |
Responsibilities:• Strategic consultancy in insurance related topics, support of the insurance business line start-up, participation in the preparation of the study about the Hungarian insurance landscape. |
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| Years | Employer | Title | Department |
| Years: 2012 to 2017 | Employer: UCB Ingatlanhitel | Title: Insurance Strategic Advisor | Department: |
Responsibilities:• Strategic consultancy for senior management in insurance business. |
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| Years | Employer | Title | Department |
| Years: 2010 to 2012 | Employer: CIG Pannónia Biztosító | Title: Consultant to the CEO | Department: |
Responsibilities:• Strategic consultancy to the CEO and senior management, support of the start-up of the non-life insurance business line, take part in the preparation in the feasibility study. |
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| Years | Employer | Title | Department |
| Years: 2009 to 2017 | Employer: Cetelem Bank, BNP Paribas Personal Finance | Title: Head of Insurance | Department: |
Responsibilities:• Lead and manage the insurance business line, responsibility for the strategy, profitability, income. Product development, product management, product portfolio strategy and sales development of the insurance products. Lead the bank assurance projects, seek and investigate new business opportunities. Responsibility for the operation.• As the first leader of the new business line, building a significant business unit by developing insurance product range and by comprehensive construction of the area: achieve 3 billion HUF annual revenue, contributing 25% to the company's total profits. Fully exploit the bank's insurance revenue potential. |
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| Years | Employer | Title | Department |
| Years: 2006 to 2009 | Employer: Uniqa Biztosító | Title: Project Leader- Idea Owner | Department: |
Responsibilities:• Leading the Claim Manager project, launching and running the service. |
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| Years | Employer | Title | Department |
| Years: 2006 to 2009 | Employer: Budapest Bank / GE Money | Title: Risk Manager | Department: |
Responsibilities:• Risk management for consumer finance, responsibility for unsecured loan products. Responsibility for the profitability, portfolio quality. Product efficiency measurement, modification proposals execution of changes. Preparing monthly reports about the portfolio quality and about procedures, making decision in case of large individual loans.• By the complete renewal of the risk management rules imp roving the quality of the unsecured loan portfolio, achieving an excellent portfolio quality. Award for the GE Money Regional Innovation Contest, with two new concepts. |
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| Years | Employer | Title | Department |
| Years: 2003 to 2006 | Employer: Vienna Insurance Group / Union | Title: Senior Product Manager | Department: |
Responsibilities:• Leading product development projects, launching new products, developing individual contracts. Preparation and maintenance of insurance tariff tables, pricing and management of the pricing process. Measuring the effectiveness of the products, making recommendations for the necessary changes and improvements.• Active participation in starting the auto insurance business line, responsible for developing first products. After successful entry into the market, gain ing HUF 9 billion HUF annual premium revenue and 5% market share. |
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| Years | Employer | Title | Department |
| Years: 2001 to 2003 | Employer: AXA | Title: Product Developer | Department: |
Responsibilities:• Developing and managing of auto insurance products, maintenance and modification of the existing products, management of necessary changes. Product controlling, measuring the effectiveness of the products, pricing management.• By providing comprehensive service and pricing renewal for auto insurance products, contributin g significantly to be in the TOP3 market player in this business line. |
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Language Skills
| Language | Proficiency |
|---|---|
| Hungarian | Native |
| English | Professional |
| German | Advanced |
| Russian | Advanced |