Jelena Bulmane

Responsibilities:

• Managing the entire product life cycle from strategic planning, development, testing, to tactical activities and performance measurement.
• Specifying business requirements for future products and current product changes through conducting market research.
• Driving a solution set across cross-functional teams (including UX design, IT, PR and Marketing, Accounting, Legal, and Risk) by defining market requirements, product contracts, and positioning.
• Developing and implementing go-to-market plans, collaborating with all departments for seamless execution.
• Driving product growth in both customer numbers and usage levels.
• Managing business processes and ensuring operational efficiency.
• Overseeing projects, including budget management and risk assessment.
• Ensuring regulatory compliance within the industry.
• Negotiating contracts with vendors and suppliers to secure favorable terms.

Highlights:

• Developed a new credit card product for the existing European market.
• Successfully launched a new P2P investments platform in the European market.
• Managed existing lending products in Asian markets, specifically vamo.vn and vamo.ph.vamo.ph

Responsibilities:

• Developing and executing product strategies that align with customer demands and market trends.
• Managing the development of new products from conception to market launch.
• Collaborating with cross-functional teams of technology, design, and marketing to build products.
• Gathering requirements, developing product specifications, and executing against them.
• Negotiating key partnerships with vendors, suppliers, and other stakeholders to improve collaboration and resource allocation.
• Navigating complex regulatory environments to ensure compliance across all aspects of operations.
• Managing budgets and financial forecasting to ensure fiscal responsibility and maintain profit margins.

Highlights:

• Established and licensed a new crypto business.
• Developed a crypto exchange platform fervido.eu.
• Created a mobile app for both iOS and Android platforms.
• Secured a contract with a card issuer for the issuance of white-labeled cards.
• Successfully facilitated the sale of the startup.

Responsibilities:

• Developing a vision for the product/transformation, driven by customer insight and data

• Driving the growth of products both in number of customers and the level of usage.

• Facilitating better decision-making within the governance model, including prioritization, strategic alignment, solution validation, and road-mapping

• Leading other Product Managers to optimize their strengths for ideal efficiency within the company

Highlights:

• Developed 3 new lending products on new markets viaconto.ro, viaconto.md, vamo.vn

• Product substitution viaconto.ro, viaconto.cz

• Supervision of card issuing and acquiring projects vialet.eu

• Managing P2P licensing process (investment brokerage )

• Established the product management aspects of the governance model

Responsibilities:

• Managing the entire product life cycle from strategic planning, development, testing, to tactical activities and performance measurement

- specifying business requirements for future products and current product changes by conducting market research

- driving a solution set across development teams (UX design, IT, PR and Marketing, Accounting, Legal, Risk) through market requirements, product contract, and positioning

- developing and implementing a go-to-market plan/sales s, working with all departments to execute

• Driving the growth of products both in number of customers and the level of usage.

• Managing projects, including project budgets and risk assessment

• Managing regulatory compliance

• Analyzing potential partner relationships for the product

Highlights:

• Introduced 4 new lending products on existing markets SAVA.card.lv, Viaconto.se, Cryptoloan.se, Viasms.lv Elastīgais aizdevums

• Developed new business Viainvest.com (a peer-to-peer lending platform)

• Successfully introduced product changes due to regulatory changes

• Introduced a prospect cold-call system

• Created and implemented a customer prospect profile tool and sales process tracking report

• Implemented new sales strategies: pre-approved credit limits, pre-embossed cards, limit increase campaigns, multiple product offers

Responsibilities:

• Planned and managed direct sales:

- leads generation via Internetbank, email, sms, through phone calls, following up on prospects, sales result analyses

- sales staff coaching

• Managed card/loan portfolio:

- customer reactivation: welcome and dormant calls

- premiumisation

- credit limit increase/reduction

- underwriting criteria and process

- loan pricing/ terms & conditions

• Managed debt restructuring and recovery process

• Managed a team of ~20 risk analysts, debt collectors, administrators

Highlights:

• Improved the card/loan sales volume by targeting the right prospects on regular base, by easing underwriting criteria for non risky customer segment (by ~2.5 times during the course of 12 months)

• Developed risk based pricing criteria/implementation plan to increase the loan portfolio volume and profitability (planned profitability increase by over 10%)

• Participated in the GE Money bank consumer loan portfolio purchase deal: portfolio analysis, pricing, risk analysis, purchase deal administration

• Reduced operational debt collection cost via additional outsourcing, by outsourcing cost cutting and automation (monthly save ~20 k euro)

• Increased collected amounts due to implementing different collection strategies for different customer segments, due to penalty forgiveness and non performing loan debt sale (collected additionally at least 1 m euro)

• Built a high performing team inspired by business and social value of their work