serch

Diana Ioana Bialus

TECHNICAL EXPERTISE

  • Data analytics
  • Market research
  • Process mapping and design
  • Small business banking/SME/MSME lending

 

CAREER-DEFINING EXPERIENCES

Developed a judgmental scorecard for credit risk assessment of MSME loan applications at BFV-Societe Generale in Madagascar. Succeeded in creating a scorecard which is currently used for the credit assessment of microloans and led to a streamlined lending process at the bank.

Managed an MSE lending and credit risk management project with Express Finance (member of CHF International network) in Romania. The activities conducted and implemented during the project led to improved loan appraisal policies, decreased loan delinquencies and increased Express Finance’s portfolio by 14%.

Led the development of a Women’s Entrepreneur Initiative at Millennium Bank in Romania, including establishing relationships with business women’s associations, conducting workshops with women entrepreneurs and supporting the bank in developing a package of financial and non-financial services for women entrepreneurs as well as a marketing plan for its promotion.

CURRENT LOCATION:

Bucharest, Romania

PROFESSIONAL EXPERIENCE IN THE FOLLOWING COUNTRIES:

Romania, Slovakia, Poland, Georgia, Mongolia, Kazakhstan, Bosnia and Herzegovina, Madagascar, Kenya

LANGUAGES:

English, French, Romanian

EDUCATION:

Master in European Studies, Centre Europeen Universitaire, Universite de Nancy 2, Nancy, France
Bachelor’s Degree in Economics, specialization International Business, The Academy of Economic Studies, Bucharest, Romania

PERSONAL PHILOSOPHY:

For me, consulting in the developing world is primarily about people. Beyond the technical aspects of the work, there are the people we interact with and their unique experiences. And what I have learned is that, in order to do a good job, first of all, you have to listen to the person in front of you. Only a good understanding of their vision and the challenges they are facing within a specific environment will bring clarity about the best road to take forward.

CONTACT INFORMATION

Name: Diana Ioana Bialus
Title: Consultant, Inclusive Finance
Email: dbialus@encludesolutions.com