Ersanja Nito
Tirana,Albania
Summary
Results-driven Project Manager with 6 years at RBAL, specialising in Affluent client solutions like KrediFlash and RaiConnect. Expertise in market analysis, driving competitive value propositions, and reporting Profit & Loss for client segments. Developed Premium Direct, an innovative remote advisory channel for affluent clients, establishing RBAL as a pioneer in Albania's open-banking landscape.
Overview
26
26
years of professional experience
Work History
Product Manager in Customer Acquisition - iKES team, Digital Banking
Raiffeisen Bank Albania
Tirana
04.2021 - Current
- IKES is web application for New to Bank and Existing clients requiring Personal Loan fully automated and covers account opening and digital onboarding.
- IKES project is developed in Sprints, according to customer journey map and testing in clients via a prototype before launching.
- As PM should cover 360 business requirements, closely work with IT in front-end and back-end, propose new suggestions from client point of view, drive value preposition for iKES.
- Strongly cooperate with Sales force, Unsecure, Risk, Daily Banking, CeX, IT, Marketing, Contact Center, DSA’s team in order to drive results and propose in new developments.
- IKES was awarded from RBI as best agile team in PaaS IKES for Personal Loan.
- Raiffeisen Bank Albania is a leading bank in Albania, providing a range of financial services.
Premium Direct Developer - Digital Banking
Raiffeisen Bank Albania
Tirana
04.2021 - Current
- High level competencies for this new position as Premium will be driven in remote channel via RaiConnect app (Moxo solution).
- Test web & mobile versions for RaiConnect app.
- Propose new features in RaiConnect in order to be user-friendly, consulting and sales oriented for the client.
- Tasks will need cooperation from Business, Legal, HR, CRM.
- Main responsibilities: New Model of Premium Direct managed by Remote Relationship Managers (RRM); Select best managers (RM) and train them.
- Administer role in RaiConnect app, modify terms & conditions, privacy policy for the clients and add RaiConnect as additional service for them.
- Start onboarding of customers to RaiConnect.
- Raiffeisen Bank Albania is a leading bank in Albania, providing a range of financial services.
Premium Business Development Manager- Segment Department
Raiffeisen Bank Albania
Tirana
01.2011 - 12.2020
- Responsible for implementation of customer strategies and defining target customers for Affluent/Premium Business and maintaining a current and detailed knowledge of the existing customer base.
- Prepare and analyze overall business growth and P/L reporting of Affluent Business.
- Identify and propose new product factors and elements and work closely with Product Development team to ensure developments of product that achieve growth.
- Provide direction to Sales & Distribution on customer strategies and plans, profiles, needs and x-sell opportunities.
- Build and maintain third party cooperation and deliver trainings when is necessary for the sales force.
- Implemented two tier model in Premium: Club Premium and Classic Premium with the first Premium package, tailor made for this wealthy category.
- Raiffeisen Bank Albania is a leading bank in Albania, providing a range of financial services.
SME Report & Analysis Manager
Raiffeisen Bank
Tirana
01.2006 - 12.2011
- Responsible for the following: Segment Analysis: Analysis of internal and external customer data for the development of Micro and SE segments.
- Analysis of the SME customers’ behaviour and product usage in order to increase segment profitability.
- Develop SME Target Market: Monthly analysis and interpretation of the existing and potential SME business characteristic.
- Ongoing monitoring the SME market and competition in order to propose the broadening of the SME target market.
- Other projects: Monthly analysis of SME business performance.
- Assist in the Strategic plan implementation for SME.
- Raiffeisen Bank is a leading bank in Albania, providing a range of financial services.
Specialist in Customer Segmentation Department
Raiffeisen Bank
Tirana
05.2005 - 06.2006
- Developing better analytical tools for consumer business, creating customer segmentations plans and programs, conducting customer/market research.
- Preparing the annual division business & marketing plan, among other initiatives.
- Raiffeisen Bank is a leading bank in Albania, providing a range of financial services.
Coordinator in Network Department
Raiffeisen Bank
Tirana
08.2004 - 05.2005
- Measured data for products including deposits, accounts, debit card activity, ATM transactions, income and fees across regional branches and agencies to support performance analysis.
- Prepared operational, financial, and branch profitability figures to inform management decisions.
- Executed branch bonus scheme to enhance staff motivation and drive performance outcomes.
- Raiffeisen Bank is a leading bank in Albania, providing a range of financial services.
Specialist in Finance & Accounting Department
Savings Bank of Albania
Tirana
03.2004 - 08.2004
- Facilitated transition of Savings Bank of Albania to Raiffeisen Bank, ensuring continuity in financial service offerings.
Senior Officer of Foreign Exchange - Financial Accounting
Savings Bank of Albania
Fier
09.2002 - 03.2004
- Facilitated integration of Savings Bank of Albania into Raiffeisen Bank, enhancing financial service offerings.
Customer Service in Foreign Exchange Unit
Savings Bank of Albania
Fier
09.2000 - 09.2002
- Managed savings accounts, time deposits, internal and external payments, foreign exchange transactions, and MoneyGram services for businesses and individuals, ensuring compliance with financial regulations.
- Facilitated transition of Savings Bank of Albania into Raiffeisen Bank, supporting integration of financial services.
Education
MSc - Banking & Finance
CITY Liberal Studies -Affiliated Institute of University of Sheffield
Thessaloniki, Greece01-2003
Finance - Accountant, Bank Profile - Finance
Economics University
Tirana, Albania01-2000
HIGH SCHOOL -
“Janaq Kilica”
Fier, Albania01-1996
Skills
- Product development
- Product lifecycle mastery
- Product launch execution
- Market analysis
- Market understanding
- Pricing strategy knowledge
- Sales forecasting
- Customer journey mapping
- Data analysis
- Agile methodology
- Project management
- Cross-functional collaboration
- Performance tracking
- Business strategy formulation
- Strategic planning
- Technical proficiency
- Customer relationship management
- Strategic planning
Languages
Albanian
Custom
- 2025-08-01, Service Design Workshop for Agile Team Members - organized by CeX & Design team in RBAL Bank
- 2025-03-01, New digital financial products/models and services - organized by experts of IFC/World Bank
- 2023-10-01, GO IT! ESSENCE - UX Design - Training Provider: AT_RBI Internal.
- 2022-09-01, RBI Service Design six fully modules, finished as Certified Expert
- 2022-05-01, House of Training/ATTF: virtual classroom: “Digital Transformation & Fintech”. This training was financed by the Luxembourg Government.
- 2022-05-01, Agile/Scrum training - iKES PaaS team. iKES is Digital lending RBI’s group solution
- 2022-02-01, RBI Lending Academy - Module 13: Customer Segmentation
- 2021-04-01, House of Training/ATTF: virtual classroom: Business Development - Identifying and Driving Business Opportunities. This training was financed by the Luxembourg Government.
- 2021-03-01, Training: RBI Lending Academy - Module 9: Profitability
- 2020-12-01, Capital Market - Compliance
- 2020-03-01, Product Development and Portfolio Management
- 2012-10-01, Financial Advisory Wave 2 - Premium Training – Vienna, Austria
- 2011-11-01, Financial Advisory Wave 1 - Premium Training – Vienna, Austria
- 2007-11-01, SME Product Approval Process - Vienna, Austria
- 2006-11-01, Six Sigma Awareness Training - a training dealing with upgrading efficiency in internal bank processes.
- 2004-09-01, Superior Customer Service Quality - 2 weeks RBAL training to become excellent in Customer Service Quality.
Timeline
Product Manager in Customer Acquisition - iKES team, Digital Banking
Raiffeisen Bank Albania
04.2021 - Current
Premium Direct Developer - Digital Banking
Raiffeisen Bank Albania
04.2021 - Current
Premium Business Development Manager- Segment Department
Raiffeisen Bank Albania
01.2011 - 12.2020
SME Report & Analysis Manager
Raiffeisen Bank
01.2006 - 12.2011
Specialist in Customer Segmentation Department
Raiffeisen Bank
05.2005 - 06.2006
Coordinator in Network Department
Raiffeisen Bank
08.2004 - 05.2005
Specialist in Finance & Accounting Department
Savings Bank of Albania
03.2004 - 08.2004
Senior Officer of Foreign Exchange - Financial Accounting
Savings Bank of Albania
09.2002 - 03.2004
Customer Service in Foreign Exchange Unit
Savings Bank of Albania
09.2000 - 09.2002
MSc - Banking & Finance
CITY Liberal Studies -Affiliated Institute of University of Sheffield
Finance - Accountant, Bank Profile - Finance
Economics University
HIGH SCHOOL -
“Janaq Kilica”