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Cedric RoelsCR
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Cedric Roels

@cedricroels

Head of Growth & Innovation at Creddo Group, scaling SME lending operations and automating broker workflows across NL and BE.

Netherlands
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At Creddo Group, I lead growth, innovation, operations, and partnerships across SME lending in the Netherlands and Belgium. I currently own an automation estate of 14 bots and 19 daily cron jobs supporting broker operations across both markets.

At Creddo Group, I helped grow Dutch annual revenue by 717% and scale the client base from 1,000 to 30,000. I also automated transactional client communications and built financing partnerships across the region.

At InvestSuite, I delivered five functional analyses for an investment feature, covering data mappings, process flows, user stories, and testing scenarios. I collaborated with an agile development squad to improve API documentation.

Earlier, at UniCredit, I contributed to workflow improvements that increased B2B sales by 200% and reduced tax-reporting workload by 80%. I’m also building Ça Suvy, a multilingual language-learning SaaS side project.

Experience

Work history, roles, and key accomplishments

Creddo Group (Creddo & KOMPAR) logoCK
Current

Head of Growth & Innovation | SMB Lending NL & BE

Sep 2026 - Present (1 month)

✤ Current scope:
• Own an automation estate of 14 bots and 19 cron jobs running daily broker operations across 2 markets
• Designing automated application flows for 3 new products: startup services, CRE loans and factoring
• Preparing overhauls for AI search optimization (AEO/GEO); main stack: Claude, Lovable and Viktor.ai
• Line manager for 1 FTE and commercial/growth owner of NL/BE, covering 31

Creddo Group (Creddo & KOMPAR) logoCK

Automation & Business Operations Lead | SMB Lending NL & BE

Jul 2025 - Sep 2026 (1 year 2 months)

✤ Key achievements:
• Implemented RPA solutions with Viktor.ai, cutting latency from days to hours across 14 workflows
• Mapped the sign-up flow in BPMN (AS-IS/TO-BE) for overhaul, gathering requirements and making mock-ups
• Increased Dutch sales value per customer by 25% YoY through automation and partnership management.
• Launched Belgian operations in 6 months, including regulatory, complian

InvestSuite logoIN

Business System Analyst | Investment Systems and Products

Mar 2025 - Jul 2025 (4 months)

✤ Key achievements:
• Delivered 5 functional analyses for an investment feature incl. data mappings, UML schemes, AS-IS/TO-BE flows, edge cases, and user stories, testing scenarios, architecture and security concerns.
• Collaborated with a 5-person agile dev squad to improve API documentation 2 months into training
• Main publicly-known integrators: Saxo, DriveWealth, Alpaca, Avaloq, and Refinit

Creddo Group (Creddo & KOMPAR) logoCK

Business Operations Lead | SMB Lending NL

Sep 2021 - Mar 2025 (3 years 6 months)

✤ Key achievements:
• Automated 100% transactional client communication through email and SMS workflow orchestration with Brevo.
• Scaled the client base 30x, from 1,000 to 30,000, while keeping a 4.0+ Trustpilot score
• Grew Dutch annual revenue +717% in 4 years, introducing premium service and success fee add-ons.
• Commercial owner of NL, covering 20 partner stakeholders (outreach, negotiation

UniCredit logoUN

Subject Matter Expert | Business Process Analyst

Jul 2020 - Aug 2021 (1 year 1 month)

✤ Key achievements:
• Increased B2B sales by 200% through CRM data integration and workflow optimization initiatives.
• Reduced tax reporting workload by 80% by developing a semi-automated Google Sheets tool, saving 2 FTE weeks per quarter.
• Co-authored 1,000+ knowledge base articles while supporting front-line service operations and process standardization.
• Gathered operational requirements a

UniCredit logoUN

Business Development Analyst | Banking-as-a-Service CEE

Jan 2020 - Jul 2020 (6 months)

✤ Key achievements:
• Identified and qualified 47 prospective corporate fintech/banking clients throughout CEE and Western Europe
• Developed 12 tailored PowerPoint presentations to support strategic business development initiatives.
• Built multi-market databases enabling strategic mapping of the Central European banking landscape
• Mapped decision-makers across target organizations to improve

UniCredit logoUN

Customer Operations & Knowledge Management Specialist

Sep 2019 - Jan 2020 (4 months)

✤ Key achievements:
• Conducted large-scale data verification across 20,000+ legacy clients, employing SQL and Google Sheets
• Partnered with Product Owners and the Head of Customer Operations to optimize operational frameworks and service workflows.
• Co-developed post-acquisition protocols and CRM training for 20+ staff across NATO, Brussels HQ, and SHAPE, standardizing operational practices.

TopCompare.be logoTO

Business Analyst Trainee | Consumer Finance

Jun 2019 - Sep 2019 (3 months)

✤ Key achievements:
• Contributed to business intelligence projects, employing SQL, Jira and Tableau, leading to a 66% time reduction for importing multichannel data.
• Created a database of 500+ international business angels and venture capital investors for seeking extra funding
• Conducted market research into 3 new products to expand operations

CFA Society Poland logoCP

Student Equity Analyst for Interuniversity Contest (CFA Challenge)

Nov 2018 - Feb 2019 (3 months)

The CFA Challenge of the CFA Institute is a global interuniversity challenge. Using a DCF model, we analyzed and provided recommendations on the merger between Lotos and Orlen Group; ended 3rd in the region.

Education

Degrees, certifications, and relevant coursework

UU

Utrecht University

Summer School

ℹ️ Ranked #62 in the world
👉 Summer School in International Conflict Management:
📑 Aspired a career in diplomacy before changing to business.
✔️Honours (82%)

HO

Harvard Online

Online Courses in Comparative Religion

HDS2825x - Religion, Conflict and Peace | Finished - 09/2020 ✓

AC

ACCA

Accounting and Finance, 9 ACCA papers F1-F9

Accountant in Business (AB)
Management Accounting (MA)
Financial Accounting (FA)
Corporate and Business Law (LW)
Performance Management (PM)
Taxation (TX)
Financial Reporting (FR)
Audit and Assurance (AA)
Financial Management (FM)

SE

SGH Warsaw School of Economics

Summer School

ℹ️ Ranked #1 in Business studies in Poland
👉 Brand Management and Intercultural Negotiations
✔️ Top of my class (4.98/5 GPA)

UD

Udemy

Understanding APIs and RESTful APIs Crash Course

Jan 2025

AC

Analyst's corner

Full Business Analysis (CCBA® Exam prep)

Mar 2025

CC

Centrum voor Levende Talen, Leuven / CLT language centre

B2 French

Sep 2026

MA

Make

AI Agent Builder

Sep 2026

KL

KU Leuven

Master of Business - Economics (MSc), Majors: Strategy and Finance

2014 - 2018

ℹ️ Ranked #47 (Times Higher Education Rankings) in the world
🏆 Cum Laude, Nomatinated for Flemish Thesis Prize

KU

Kozminski University

Master of Finance & Accounting (MSc), ACCA track

2018 - 2020

Kozminski University ranks 20th in the rankings of Masters in Finance Pre-experience 2020 published by the Financial Times.

Other: Prepared CFA Level I, PhD started - dropped out

CO

Codecademy

Introduction to Generative AI

Oct 2023

DA

DataCamp

Understanding Cloud Computing

Jul 2024

DA

DataCamp

Understanding Data Visualization

Jul 2024

DA

DataCamp

Understanding Machine Learning

Jul 2024

DA

DataCamp

Understanding Data Engineering

Jul 2024

DA

DataCamp

Understanding Data Science

Jul 2024

DA

DataCamp

Introduction to Python

Jul 2024

DA

DataCamp

Introduction to ChatGPT

Jul 2024

DA

DataCamp

Python Toolbox

Jul 2024

DA

DataCamp

Joining Data in SQL

Jul 2024

DA

DataCamp

Introduction to SQL

Jul 2024

DA

DataCamp

Data Communication Concepts

Jul 2024

DA

DataCamp

Introduction to Functions in Python

Jul 2024

DA

DataCamp

Intermediate SQL

Jul 2024

UD

Udemy

Fundamentals of Functional Analysis for ICT

Jan 2025

TG

The BA Guide

Business Analysis Fundamentals - ECBA, CCBA, CBAP endorsed

Jan 2025

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