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Marius Nicolae Costache is an experienced product manager with a strong background in credit cards and direct marketing. Currently serving as Product Manager for Credit Cards at BCR since July 2017, Marius is responsible for planning, executing, and analyzing multi-channel marketing campaigns, ensuring alignment with strategic business objectives. Prior to this role, Marius worked at CETELEM IFN SA for over a decade, where responsibilities included managing direct marketing campaigns, executing co-branded credit card programs, and analyzing creditworthiness. Marius began a career in the financial sector as a Credit Analyst and Credit Risk Analyst and holds a degree from Academia de Studii Economice din București.