Roman leads the Kreditano editorial team. He spent 18 years in Romanian banking — first as a risk analyst at BCR, then as a consumer-credit product manager at ING Bank. He holds a bachelor's and master's in Banking & Finance from ASE Bucharest and is a CFA Charterholder (Level III). His articles focus on how APR, interest and fees combine into the real cost of a loan and what NBR regulations actually require from lenders.

Areas of expertise

  • APR & total cost
  • NBR regulations
  • Credit policy

Experience and credentials

  • CFA Charterholder
  • ASE București — Master Bancă și Finanțe
  • ING Bank — Product Manager (2018-2023)
  • BCR — Senior Risk Analyst (2009-2018)

Contact and profile

Linkedin

Articles written by Roman Dumitrescu

Articles reviewed by Roman Dumitrescu

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