American Express
Dynamic pricing framework for lending & cards
Elasticity-aware models and guardrails; aligned Risk, Product and Sales.
Double-digit €m P&L uplift
Complexity into profitable, auditable execution.
Interim Head of Finance and Fractional CFO. I lead FP&A, controlling and accounting in regulated, fast-moving businesses — pricing and NPV, capital and liquidity planning, carve-outs, integrations, close acceleration and data-driven decisioning.
20+Years leading finance
& controlling functions
& controlling functions
5Sectors: banking, fintech, payments,
professional services, manufacturing
professional services, manufacturing
What I deliver
Precision-engineered finance functions.
Group reporting under IFRS, UGB and US GAAP; international teams; multiple post-merger integrations and carve-outs.
Planning & Controlling
Integrated models and rolling forecasts that make decisions faster and more accurate.
Pricing & Profitability
Dynamic rate and fee models that expand margin under rate volatility.
Capital & Liquidity
Funding plans, stress tests and board-ready packs with a defensible glidepath.
Post-Merger & Carve-out
Target Operating Model, synergy realisation and reporting harmonisation.
Restructuring
OPEX diagnostics, 80/20 spend analytics and a KPI cockpit management trusts.
Data & Systems
SAP, Oracle, TM1 and Power BI; finance datamarts and statistical/AI use cases.
Representative portfolio
Selected mandates and the outcomes they produced.
Growth, Pricing & Profitability
bank99
Segment profitability reset
Rebased unit economics by cohort and channel; re-priced underperforming segments.
Margin +15 pp
American Express
Partnership & co-brand deal modelling
NPV/IRR scenarios including bonus tiers and MDF with clear payback windows.
~$1bn contracts approved
Planning, Capital & Liquidity
bank99
5-year capital & liquidity plan
Stress-tested balance-sheet glidepath linking funding strategy to growth.
Multi-€bn balance sheet
ING Bank Austria
Integrated planning model (P&L/BS/CF)
Replaced siloed spreadsheets with one driver-based model.
Planning cycle −30%
Fintech (CEE)
Investor-readiness sprint
Equity story, financial model and data-room Q&A.
Seed funding secured
Post-Merger, Carve-Out & Restructuring
ING Bank Austria
Retail carve-out & sale
Led the finance workstream: data rooms, DD, valuation scenarios, re-forecasting.
Uninterrupted reporting
bank99
Post-merger integration (finance TOM)
Close calendar, KPI hierarchy and IFRS/UGB/US GAAP reporting harmonisation.
Synergies tracked & realised
American Express & bank99
Cost take-out & procurement
80/20 supplier analytics, rate cards and should-cost baselines.
OPEX −20%
Reporting, Close & Audit Readiness
Schneider Electric (CH & DE)
Month-end acceleration
Standardised reconciliations and BS review packs; rebuilt ERP exports and automated TB/BS schedules.
~90% of audit requests in 30 days
ING Bank Austria
Board pack modernisation
KPI tree plus a one-page story per business, with automated commentary.
Board-ready in days
American Express
Model governance
Versioned pricing/NPV templates, change logs and sensitivity libraries.
Auditable by design
Data, BI & Systems
bank99
Finance datamart for self-serve analytics
Star schema for revenue, cost and cohort tables with a data-quality gate.
Governed definitions
ING Bank Austria
ERP/BI rollout (SAP FI/CO, TM1, Power BI)
Mapped data, validated postings and built the semantic layer and dashboards.
Single source of truth
Media startup client
LTV/CAC, pricing & cash runway
Cohort economics, discount strategy, KPI dashboard (MRR, ARPA, churn, CAC/LTV).
ROI +20% on growth spend
About me
Twenty years of finance leadership in regulated markets.
I am Corina Lupa, an Interim Head of Finance and Fractional CFO based in Vienna. Over the past two decades I have built and run finance functions across banking, fintech, payments, professional services and manufacturing — from hands-on accounting and close management to board-level strategy, M&A and capital planning.
My recent interim work includes contract mandates as legal entity accountant for Schneider Electric's Swiss and German legal entities, and as Finance Advisor to an early-stage media startup on pricing, cohort economics and cash runway. Before that I was Head of Planning & Controlling at bank99 following the ING Austria acquisition, where I led a team of nine, built a five-year capital plan for a multi-billion-euro balance sheet and harmonised reporting across SAP S/4HANA. At ING Bank Austria I ran management accounting for the retail and wholesale businesses, delivered the EUR 1.8bn retail carve-out to bank99 and rebuilt the team during the market exit. Earlier, I spent nearly eight years at American Express in the UK as Finance Director for the EMEA lending and cards business and the Travel & Lifestyle Services unit, modelling co-brand and partnership deals up to USD 1bn and leading a multi-country cost reengineering that cut the cost base by more than 20%. I began my career at UniCredit Group in Romania, Italy and Germany, working on consumer lending expansion, restructuring and large-scale operations transformation.
I am open to new interim and fractional engagements.
Interim / Fractional lead
Head of Finance, Controlling or Accounting — brought in to stabilise or to scale.
2–6 week sprints
Pricing resets, board-ready plans, close acceleration and KPI frameworks.
Advisory to the CFO
Coaching the CFO or FP&A lead with a documented operating cadence.