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Emilian Cretu has extensive experience in banking and financial services, currently serving as Stream Lead / Product Owner for the SME Internet/Mobile Banking App at Raiffeisen Bank Romania since April 2020. Previously, Emilian held the position of Product Owner for SME Internet Banking at Patria Bank, where responsibilities included transformation management and product development. Prior experience includes roles such as SME Coordinator at ING, where Emilian focused on new segment development, and Head Office Expert at UniCredit Bank Romania, where the design of a business model for a separate acquisition-focused channel was successfully implemented. Additionally, Emilian worked as SME Coordinator at Banca Transilvania focusing on business development and portfolio analysis. Early career experiences include business development at Austral Trade and clerical work at Work and Travel College Experience. Emilian Cretu is actively pursuing further education at SDA Bocconi, UniQuest, and Universitatea „1 Decembrie 1918” din Alba Iulia, holding a Bachelor's degree in Economics.