
Florin Covaciu
@florincovaciu
I lead banking and microfinance operations, improving service, compliance, client relationships, and operational performance across international markets.
What I'm looking for
I've led banking and microfinance operations across Europe, the Caribbean, and the Pacific for more than 25 years, improving service quality, compliance, and client relationships.
As CEO of Aurora NBFI, I reduced loan arrears by 2.4% while growing the loan portfolio by 13%, streamlining procedures, and launching new services. I served as the primary contact for institutional partners and clients.
At SPBD Microfinance and FINCA Haiti, I led client-facing operations, cross-functional teams, and complex documentation processes, including stakeholder communication for a CAD 5 million digital transformation program. Earlier, I expanded Express Finance / CHF International from 3 to 40 branches and built its policies, training, recruitment, and employee-development practices.
Most recently, I audit financial institutions' operational and administrative processes, verify regulatory documentation, and provide actionable recommendations to senior management. I work fluently in Romanian, English, and French, with conversational Swedish.
Experience
Work history, roles, and key accomplishments
Financial Institution Auditor
Microfinance Sector
Feb 2026 - Present (7 months)
Audit operational and administrative processes for financial institutions, verifying documentation accuracy and regulatory compliance. Deliver detailed audit reports and actionable recommendations to senior management.
Chief Executive Officer
Aurora NBFI
May 2024 - Feb 2026 (1 year 9 months)
Led overall operations and served as primary point of contact for institutional partners and clients. Reduced loan arrears by 2.4% while growing the loan portfolio by 13%.
Senior Analyst
Microfinanza Rating
Apr 2023 - Apr 2024 (1 year)
Conducted institutional assessments for 34 financial institutions across Europe and Asia. Prepared detailed reports and communicated recommendations to senior stakeholders.
General Manager / Board Member
SPBD Microfinance
Oct 2018 - Mar 2023 (4 years 5 months)
Led a team of 55+ employees, maintaining high service standards across all client-facing operations. Strengthened customer engagement through new communication and service initiatives.
Chief Operations Officer / Deputy CEO
FINCA Haiti
Oct 2016 - Sep 2018 (1 year 11 months)
Directed operational activities across departments serving thousands of customers. Managed documentation, reporting, and stakeholder communication for a CAD 5 million digital transformation program.
Regional Manager
BCR Social Finance
Sep 2014 - Oct 2016 (2 years 1 month)
Built long-term relationships with customers and business partners. Coordinated regional operations across multiple locations, ensuring accurate reporting and documentation.
Director
Carpatica Commercial Bank
May 2011 - Sep 2014 (3 years 4 months)
Oversaw daily operations across ten branches. Ensured compliance, documentation accuracy, and high standards of customer service.
Director
Patria Bank
Apr 2008 - Apr 2011 (3 years)
Managed customer relationships, operational planning, and branch coordination. Introduced new financial products while supporting staff development and service quality.
Chief Operations Officer
Express Finance / CHF International
Jan 1999 - Jan 2008 (9 years)
Led national operational activities during expansion from 3 to 40 branches. Developed policies, procedures, and training programs; managed recruitment and employee development.
Teacher
Center for Curative Pedagogy
Jan 1997 - Jan 1999 (2 years)
Worked with young people with special needs, managing admission, onboarding, and documentation for new arrivals.
Warehouse Manager
Dita Pharm
Jan 1994 - Jan 1997 (3 years)
Managed warehouse administration and logistics for distribution to 183 pharmacies. Supervised a team of 18 employees and implemented process improvements.
Education
Degrees, certifications, and relevant coursework
British Open University
Professional Certificate, Management
Earned professional certificates in General Management, Financial Management, Human Resources, and Client Relationship Management.
Babeș-Bolyai University
Attended Babeș-Bolyai University in Cluj Napoca, Romania.
Tech stack
Software and tools used professionally
Availability
Location
Authorized to work in
Website
florincovaciu.workSocial media
Job categories
Skills
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