Roman Dumitrescu

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

• What is APR and why does it matter for a loan? · 2026-05-10
• IRCC explained: how your variable rate is calculated · 2026-06-08
• Standard European Consumer Credit Information (SECCI): what to check · 2026-06-09

Articles reviewed by Roman Dumitrescu

• How to raise your credit score · 2026-05-18
• Refinancing: when is it really worth it? · 2026-05-25
• NBR debt-to-income ratio: how it's calculated in 2026 · 2026-06-09
• Your rights when taking a loan (ANPC + GEO 50/2010) · 2026-06-10

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