Tomislav Cvetko is a partner in McKinsey’s Zagreb office contributing to the firm’s global banking practice. He focuses on enhancing mid-cap retail and corporate banks' performance through large-scale, growth-centric transformation programs and is instrumental in designing and implementing new business solutions.
Tomislav’s successful track record includes leading bank transformations across the Americas, the Caribbean, Asia, and Europe. He has also guided regional banks in Europe, Asia, and Central America through developing strategies for entering new markets and establishing new businesses in the B2C and B2B payments space.
Examples of Tomislav’s recent work includes the following:
- Accelerating topline growth for a leading bank in Central America and the Caribbean by building an end-to-end digital, unsecured lending solution and scaling it by 5x within a year, deploying services and transaction migration to alternative channels to free-up branch capacity, and building best-in-class risk decisioning models based on external and internal data
- Implementing and scaling a salesforce effectiveness program at a regional European bank to enhance branch network sales productivity and boost mortgage and unsecured lending by driving operational excellence improvements, such as reducing credit processing turnaround time
- Performing strategic due diligence and outlining a performance improvement roadmap for the retail banking division of a top North American bank and a digital attacker bank in Europe
- Leading a holistic lending journey transformation program for a regional US bank, by implementing improvements in credit processes, policies, and procedures to accelerate underwriting decisioning time, enhance accuracy of credit risk, and achieve operational efficiencies
- Crafting a strategic roadmap for a prominent South American corporate bank to expedite topline growth and facilitating implementation by launching a new B2B payments business to refine transaction banking offerings
- Transforming a mid-sized attacker bank in Central America to improve lending and deposits market share by implementing analytically driven digital marketing and sales campaigns, redesigning SME offerings and go-to-market strategy, enhancing branch network performance, and initiating proactive deposit churn management campaigns