Sanja Tanasijevic Krstic

With 20+ years of experience as a COO, CIO, and Transformation Executive within international banking operations, I support organizations in delivering complex change programs, high-stakes post-merger integrations, and operational turnarounds.

I specialize in turning strategic priorities into structured, high-velocity execution, ensuring efficiency, corporate governance, and continuity across large-scale initiatives in regulated and multinational environments.

My core expertise and proven track record include:

• Cost-to-Income (C/I) Optimization: Orchestrated a dramatic operational turnaround, reducing the C/I ratio from 65% to 35% within 12 months while simultaneously doubling the physical branch network.

• Post-Merger Integration (PMO) & System Migration: Strategically led consecutive banking mergers, including managing a complex 9-month transition operating across two parallel core systems and databases under strict regulatory reporting.

• Full-Scale Organizational Transformation: Spearheaded an under-18-month post-privatization overhaul of a legacy bank, implementing CRM, DWH, and Mobile Banking, making it the fastest-growing bank in the country for two consecutive years.

• Capacity Sizing & Process Re-engineering: Conducted full-scale operational sizing to align enterprise-wide business processes, headcount, and IT infrastructure for maximum productivity.

• Cross-Functional & Cross-Border Delivery: Conducted high-stakes IT and infrastructure governance audits across Italy, Austria, and CEE markets within the UniCredit Group ecosystem.

I combine strong analytical and technical foundations with senior executive leadership experience, allowing me to bridge strategy, technological architecture, and human-centric execution effectively.

Available for project-based consulting, strategic PMO governance, and interim assignments (3–12 months), both remote and on-site depending on engagement.