Bogdan covers refinancing, credit scoring and the non-bank lender market. He started his career in 2014 as a risk analyst at TBI Bank, where he processed 240+ files per month on the point-of-sale credit segment and contributed to calibrating the external scoring model. In 2019 he moved to an NBR-registered NBFI as a product specialist for fast loans. There he rewrote the APR grid and approval caps after the technical update to Order 99/2006 and coordinated an internal campaign to reclassify clients with delays.

His core topic is refinancing. The figure he keeps repeating: only 38% of clients who refinance a loan actually obtain a lower total cost. The rest lower the monthly payment but pay more across the extended term. "The hardest approval was in 2015. A client with 4 small loans across 4 different lenders, each with correct payments, but the debt-to-income ratio was climbing past 47%," Bogdan says. "The answer wasn't a fifth loan, it was a consolidation plan written over three months before the file was submitted. Since then, the first question on refinancing is: what do you want to optimize, the payment or the total cost?"

He has published opinion pieces on ZF.ro and Economica.net on scoring and consolidation topics. Recurring references: his guide on IRCC vs APR and his analysis of the 40% debt-to-income threshold introduced by NBR in 2019. On Kreditano he works closely with Roman Dumitrescu (mutual review on real-cost articles) and Maria Popescu on the revolving cards segment.

“The first question on refinancing is: what do you want to optimize, the payment or the total cost?”— Bogdan Baicu

Areas of expertise

  • Refinancing
  • Fast loans & NBFIs
  • Credit score

Experience and credentials

  • ASE Bucharest: Master's in Risk Management
  • TBI Bank: Risk Analyst (2014-2019)
  • IFN BNR-înregistrat: Product Specialist (2019-2024)
  • Publicații: ZF.ro, Economica.net

Contact and profile

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Articles written by Bogdan Baicu

Articles reviewed by Bogdan Baicu

Every article signed by this author is reviewed by a second editor before publication and may be updated when regulations or bank offers change.