Henk has over 30 years of international banking experience, including managing divisional, country and regional businesses, as well as assets and portfolios in widely diverse geographies and markets, with an emphasis on Central and Eastern Europe. He worked in Romania during 2011-2014 as Country Executive for the Royal Bank of Scotland.

Henk acquired a successful track record in business transformation and complex change programs including improvements in the commercial, financial, and business performance of organizations relating to strategy development and implementation, M&A, restructuring, divestment, spin-offs and wind downs.

He operated productively in a wide range of corporate, cultural and geographical environments lived and worked in the Netherlands, United Kingdom, Russia and CIS, Romania, Poland, Czech Republic, Turkey, UAE and gained additional regional experience in Latin America.

Henk holds a Master of Science in Econometrics from the Erasmus University of Rotterdam.

As Vice-President, Mădălina coordinates the bank's business and product development functions for Retail, Micro & PFA segments, Marketing & Communication division and supervises the operations of the entire branch network of the bank.

Mădălina has extensive expertise in sales and retail markets with over 25 years experience in the Romanian banking industry. Mădălina has previously been Deputy General Manager - Retail, Micro & PFA of Piraeus Bank Romania, Executive Manager – Sales & Distribution of Raiffeisen Bank Romania, board member of Raiffeisen Leasing and Raiffeisen Asset Management. Also, she held managerial positions in product development & sales in CitiBank România S.A. and Banca Comercială Română.

Mădălina is a graduate of the Romanian-American University, School of Finance & Banking. Since 1996, Mădălina has continuously developed her professional career by attending international training programs in Geneva, Milan, Paris, Prague, Vienna, London and Lausanne.

Cosmin has over 18 years of experience as a professional in banking and financial services.

Before joining the First Bank team, Cosmin held top management positions with financial and banking entities, such as ProCredit Bank Romania and good.bee Credit IFN Romania.

Cosmin has extensive experience in risk management and internal control, leading specialized structures in these areas for the last 13 years.

Cosmin graduated the Academy of Economic Studies in Bucharest, School of Cybernetics, Statistics and Business Information Technology, and has a master’s degree in Management of Banking Systems awarded by the same University. He also attended several training courses on banking management and financial risk, in Romania, Germany and Luxemburg.

Răzvan Filcescu is Vice President of FIRST BANK and former non-executive member of the Board of Directors of Bank Leumi Romania.

He coordinates the Credit Division (the Departments of Corporate Credit Assesment, SME & Micro Credit Assessment, Retail Credit Analysis and Fraud Loan Prevention Department), the Debt Collection and Workout Division (Collection and Restructuring Department, Workout Department and Monitoring & Reporting Department), as well as the activities of the Transformation Division.

Răzvan Filcescu is a senior banking executive with over 20 years of banking & financial experience. With extensive banking experience, gained in banks such as Procredit Bank and Credit Europe Bank, Răzvan began his career as loan officer and constantly evolved into important management positions, deeply involved in the process of building a commercial bank. In recent years, his activity focused on the lending area of ​​companies, but also on specific debt collection and workout activities.

Răzvan graduated the Academy of Economic Studies, Bucharest, holding a B.Sc. in Banking and Stock Exchanges.

He also holds an MBA in Financial Management at City University of Seattle.

Nikolaos coordinates the recovery operations for Business and Retail segments, as well as the Real Estate Owned function of the Bank.

Nikolaos has extensive expertise in managing and restructuring non-performing loans, corporate banking and credit risk. With an international track record of over 30 years in recovery banking and active management sectors, Nikolaos has previously been Deputy General Manager of Piraeus Bank Romania, and held a number of key positions within Tirana Bank, Uniastrum Bank - Russia, Bank of Cyprus, Arab Bank PLC - Athens, Piraeus Bank, Credit Lyonnais Greece.

Nikolaos holds a Master's Degree in Business Management, with a major in Finance from the University of Toledo, Ohio, and has a Bachelor's Degree in Economic Sciences from the Slippery Rock University, Pennsylvania.