جورج سوتيرو

> Delivering successfully one common operating model of processes and support systems in the Greek business, to align to Group's objectives and to harmonise resolution strategies, recovery and REO processes and reporting; to be the pilot model to be copied to other portfolios and countries

> Leading cross functional & cross-cultural big size teams, both in own & third party stakeholders, to achieve such a complex fintech transformation, process re-engineering & strategy/culture change

> Managing effectively multi-dimensional complex projects to achieve successful business to tech translation, smooth portfolio migration and multiple systems integration (i.e. Temenos T24, Qualco Collections etc)

• Successfully implemented major re-engineering and restructuring projects for Citibank Greece, resulting in cost savings of €1.5 million and a 75 FTE reduction, whilst maintaining high levels of employee satisfaction
• Reduced Net Credit Losses from 25% to 13% in 2 yrs through the design and launch of an innovative customer oriented strategy and the development of products and processes for Citibank’s Stress Bank start up in Greece
• Negotiated a more favourable (33% better) revenue sharing agreement for Greece vs. the rest of world for Shell Citibank Mastercard, resulting in a 15 month decrease in the bank’s investment payback period
• Launched the financial super market strategy in Bank of Cyprus in 2002; gave customers the opportunity to tailor product features to their unique financial needs, introduced the MicroBank and targeted

• Responsible for all Citibank VISA & MasterCard products including credit, debit, co-brands, and prepaid with accountability (including P&L responsibility and budgetary control) for a total portfolio of $1.5 billion; exceeding financial targets despite economic downturn
• Reviewed the existing value proposition and redesigned as appropriate to remain innovative; driving business growth through continuous product development and effective, targeted marketing
• Responsible for new brand launches and planning their ongoing management; Vodafone Visa, Affinity Visa, Shell Citi MasterCard, Alico Visa etc
• Renegotiated terms with Inditex group to enable the switch of Affinity (Zara) co-brand from Visa to
Mastercard; add extra benefits for customers and transformed a negative P&L to a positive one in 12 months
• Designed and delivered against a communication and marketing strategy; translating plans into operational sales targets, team and individual goals
• Led a team of 57 employees; effectively negotiating them through a period of extensive change and reorganisation to ensure the team remained high performing despite transformation and cost reduction
• Conceived and managed successful marketing campaigns including targeted promotions using mail, SMS and e-mail, press releases, conferences, campaigns, client’s events and the design of collateral materials
• Launched a new Digital Marketing Plan including site design, content management, mobile and e-promos, new mobile payments platform and CRM targeted campaigns
• Successfully organised and led projects designed to achieve major business process re-engineering for the Greek franchise.

Launched the financial super market strategy in Bank of Cyprus in 2002; gave customers the opportunity to tailor product features to their unique financial needs, introduced the MicroBank and targeted CRM initiatives

Changed the FMCG cosmetics status quo for the Greek market with the launch of L’Oréal’s VICHY Capital Soleil; applied radical sales and marketing tactics that blocked competition out and doubled units sold to 170K