Vanja Tokic is a seasoned professional in digital transformation and retail banking, currently serving as the Senior Director of Retail Digital Transformation Strategy at Raiffeisen Bank International AG since October 2009. In this role, Vanja develops and implements comprehensive digital strategies to enhance customer experience and drive business growth. Previous positions include leading agile transformations and advanced analytics initiatives, managing large IT teams, and facilitating significant innovation projects with substantial budgets. Vanja's expertise encompasses digital banking transformation, change management, and cross-functional collaboration, complemented by a solid educational foundation in Electrical Engineering from the University of Zagreb.