Maria Pagona

  • Athens Attica
Maria Pagona



Italian Language

French Language

English Language

Work experience

Work experience
Sep 2011 - Present

Free Lancer

Management Consultant

Assisting organizations to solve problems concerning their strategy, structure, marketing, financial and management controls, e-business and operations, and supply-chain management

Developing plans and programs for change implementation in the organization

Key clients: Rascal Digital Communication Agency (

Cream Advertising Co (

Rota SATrade Show Organising Co (

Apr 2008 - Jun 2011

Strategy & Business Director

Credicom, Credit Agricole Group
  • Member of the Bank’s Management Committee
  • Member of the Bank’s Products Approval Committee
  • Member of the Bank’s Risk Committee
  • Business owner of Carrefour Credit JV
  • Managing synergistic opportunities in professional services, within CASA Group Europe wide
  • Responsible for the Group strategic planning and evaluating revenues and costs drivers
  • Responsible for the Group business development
Feb 2007 - Apr 2008

Group Credit Policy Director

Piraeus Bank
  • Responsible for developing, documenting and maintaining credit policies which are consistent with the Bank's strategic objectives, management requirements, and legal and regulatory requirements.
  • Responsible for the assessment, development and maintenance of Basel II related policy requirements.
  • In charge for providing advice and counseling the Bank’s SEE subsidiaries, with regard to the acceptability and appropriateness of their credit policies, procedures and standards.
  • Making recommendations to top management on action required to enhance current practices.
Jan 2003 - Dec 2006

Consumer Lending Deputy Director

National Bank of Greece
  • Responsible for retail lending credit risk strategies, strategic planning, and development of new products/channels.
  • Monitoring and regularly validating the Bank’s retail lending application and behavioral scorecards (in collaboration with Statistical Decision Co and FIC, respectively)
  • Headed, for NBG’s retail banking, the Basle II and SOX compliance projects, as well as the Bank’s MIS and CRM projects
  • Evaluating affiliated banks’ retail lending product development and procedures, in the Balkans and Turkey
  • Headed the retail banking team in due diligences for acquisitions of
  • Finansbank-Turkey, Banca Romaneasca-Romania and UBB-Bulgaria.
Jan 1999 - Dec 2002

Business Development Manager

National Bank of Greece
  • Developing business partnerships, allowing the Group to strengthen its position in retail lending market.
  • Working with sales teams to provide ongoing support for products
  • Identifying potential opportunities for new business, researching the most suitable partners to exploit these opportunities and managing the relationship, from contract negotiation down to its execution and deployment within the organisation
Jan 1987 - Dec 1998

International Trade Manager

National Bank of Greece
  • Provided leadership, regulatory interpretation and guidance, to Bank's clients, in the following areas: Anti-boycott/Restrictive Trade Practices, Product Classification, Export Licensing, Re-export Authority, Export Documentation, Letters of Credit, Import Assists, Import Licensing, Import Customs Clearance, Import Tariff Classification, Foreign Sourcing, Terms and Conditions.
  • Provided oversight for Export License or Agreement applications. Managed the interaction with Customs Brokers and freight forwarders to ensure that export documentation, AES and other import activities are properly executed.


Sep 2004 - Jun 2004

MBA for banking executives