Emanuele BUTTA

Member of the Executive Board, Retail, UniCredit Bank, Russia

Marko Tutunovic supported me in going beyond standard understanding of CRM. Together we have been exploring a unique approach to dealing with each new challenge, using Marko’s experiences only as a starting point and developing CRM strategy in accordance with bank’s and market’s specifics.


Member of the Executive Board, Retail, Raiffeisen Bank, Serbia

TrimTab has provided invaluable help and expertise in supporting our bank to modernise the measurement of CRM contribution and to refine the processes behind the setting of commercial expectations from its activities.

In addition, TrimTab has also designed an actionable guideline which incorporates additions and adjustment to our CRM process that will help our team to focus their activities on the overall commercial impact.



CEO, Belgrade Stock Exchange

Tanja played an instrumental role in design, business process definition, development and implementation of our flagship trading system. Her, and TrimTab team's, ability to understand business requirements and apply them technically continues to provide invaluable support to the Belgrade Stock Exchange.


Former Head of Retail Banking, UniCredit Group, Central and Eastern Europe

We enjoyed the experience of working together with Marko Tutunovic and the TrimTab team in developing our CRM project across some of CEE banks. In fact, from a simple provider-buyer approach we have developed a real long-term partnership that helped us to better understand how CRM could improve our banks’ ability to understand costumer needs and their relationship (current and prospective) with the bank.

I can say that, at least from our side, the project improved our vision and what we are implementing will change the day-by-day activities of our branches and other channels in embedding the customer-centric philosophy. Not only the know-how and the experiences and competences but the overall mind-set and cooperation approach and style of the whole team made us reach unexpected results in all the banks where we implemented the CRM project.


Managing Director, AB Microfinance Bank Nigeria,former Chief Risk Officer Prominvest Bank Ukraine, Chief Risk & Finance Officer Volksbank Serbia, MD Procredit Bank Georgia and Serbia

Since entering consulting scene in 2012 as an independent entity, TrimTab displayed the unique combination of professionalism and agility in addressing Credit Risk challenges - be it in Credit Scoring or Portfolio Management.


Managing Director, Chairman of the Executive Committee, Telenor Bank, Serbia

As a bank which continually seeks to be innovative and improve traditional paradigms of banking, when working with TrimTab Consulting we rely on their pragmatic approach to meet our appetite for rapid go-to-market, whilst also accommodating our longer term road-map and our overall strategies. Working with TrimTab consultants is like dealing with fellow bankers who are also able to design and develop systems.



Member of the Executive Board, CMO, Telenor Bank, Serbia

I have cooperated with all TrimTab Team members for a large part of both mine and their careers. They always approached new challenges with passion and were happy to share the knowledge and look outside the prescribed scope of activities and most importantly kept their focus on the actual project business objective. Since starting the independent consultancy, I can only say that these virtues have increased.


Member of the Executive Board, Retail, Banca Intesa Beograd, Serbia

Having achieved continual high productivity, we recognised an opportunity to further boost our results through focus on increasing of effectiveness in our business processes. This endeavour heavily relied on recognition of future-client-value and TrimTab proved to be an excellent partner to help us reach this milestone.

TrimTab consultants’ approach showed an optimal balance between analytical, technological and business consulting and thus assured that the result truly met our purpose. I have personally taken active part in this project and was especially impressed with TrimTab team’s determination to completely understand our business necessities before prescribing the appropriate technological solution, and look forward to continuing our cooperation along the same principles.

Lyubomir PUNCHEV

Member of the Executive Board, Retail, Ukrsotsbank / UniCredit Bank, Ukraine

A modern and professional partner, easy to work and cooperate with clear solution oriented mindset and value creating attitude. TrimTab incorporates in its practice worldwide recognized practices, redefined through the local necessities, professionally identified and solved.



Former Member of the Executive Board, Zagrebacka banka, Croatia

Marko demonstrated the ability to understand executive direction and banks strategy, and how to interpret it in design of the new system.



Member of the Executive Board Komercijalna banka Serbia, former member of the Executive Board Piraeus Bank Serbia, Banca Intesa Beograd, Serbia and AIK Banka, Serbia

Over the course of my career as a Retail Banking Executive, I have cooperated with Marko Tutunovic both on large analytical CRM implementations and on deployment of very specific commercial campaigns. In each instance Marko and the TrimTab Team managed to appropriately scale the level and the extent of required services and provide the optimal solution.



Member of the Executive Board, Retail, UniCredit Bank, Serbia

Having set a specific objective in acquisition of SME clients, we relied on the TrimTab Team in a crucial role of profiling potential clients and recognising their respective affinities for our offerings. Our new acquisition strategy is now tightly interlinked with these profiles.



CEO & Co-founder, LeanPay

TrimTab helped crystalise our innovative ideas into operative and actionable business processes through incorporating banking best-practices into real-world FinTech challenges via projecting our Expected Losses and monitoring performances of our brand new portfolios. Though we are not a large corporate which is usually serviced by TrimTab Consultants, we were pleased with the level of personal attention that we received from both Tanja and Marko during development of our systems.

Peer Professional



Head of CRM and Alternative Sales Channels, Raiffeisen Bank, Serbia

With ever-growing saturation with commercial ads, TrimTab provided our CRM team with a more sophisticated approach to developing predictive models and target customer selection. Whilst this helps us attain additional lift in conversion rates we expect greater impact on income side too, a variable that is now directly incorporated into definition of target-events.

The resulting change in our approach to modelling and definition of campaign selection criteria is the foundation for reaching the next evolution stage in our overall CRM process.



Head of IT Erste Bank Croatia, former Head of Ogranisation and Logistics, Zagrebacka banka, Croatia, Zagrebacka banka

I am working with Marko Tutunovic for a last couple of years on a change management required for the implementation of the true client-centric approach within the bank. It was very inspiring and fruitful co-operation, and Marko was focused on the ultimate project goals and the quality of the deliverables all the time, but in the same time never forgetting the right dose of human touch for the team.

Marko is unselfish in sharing the knowledge with the teammates I personally have learned a lot in the last couple of years – I can only hope that this process has been bidirectional.



Head of CEE Retail Business Development, Advanced CRM & Big Data, UniCredit Group, Central and Eastern Europe

Marko represents a “Key figure” in our CRM group program initiative. Thanks to his flexibility and business’ sensitivity we were able, together, to implement our program in parallel in 7 countries conjugating local specifics with group guidelines and supporting local business in change of mind-set to analytically driven sales process.


Syed-Mohammed NAQVI

Head of Enterprise Information Center of Excellence & MIS, Al Hilal Bank, U.A.E.

We have collaborated with TrimTab consultants on IFRS 9 project, which was the key initiative for Al Hilal Bank in 2017. We commend Dusan, Jelena and Milos for displaying knowledge, professionalism and dedication in helping us achieve short deadlines on this important project.


Head of IT User Support, Zagrebacka banka, Croatia

Zagrebacka banka believes that customer information is our asset and customer intelligence is extremely important. The right technology combined with our marketing expertise helps us understand our customers’ needs better and target the right products to them through effective channels in a customer-oriented business.

Working with Marko Tutunovic, on these really important topics for us was a great experience. He was focused, very much professional and above all oriented to achieve our goals. He showed great business knowledge. With his great IT knowledge the result couldn't be less than great.

Above all he also helped us in establishing clear communication between the Business and IT in a complex project. That was one of the key success factors of the project.


Credit Risk Modelling Team

Team members, Komercijalna banka Serbia

Marko Tutunovic and TrimTab team evinced high professionalism, dedication and support during our cooperation in development and implementation of credit scoring models. Their well prepared and organized approach, supported with extensive experience, accompanied with TrimTab’s willingness to transfer the knowledge and work-oriented attitude, contributed heavily to the success of the initiated project.

We enjoyed in fluent and clear communication, especially with Marko, who provides the partner with all the necessary information and relevant facts in a very simple, but knowledgeable manner. His high creativity, flexibility and adaptability to the partner’s needs generated the pleasant cooperative atmosphere which led to the successful finalization of the projected activities.

Considering the aforementioned, we would be very pleased to engage in some further business arrangements with TrimTab Consulting and we would highly recommend Marko Tutunovic and his dedicated team to everyone.


Markus SPAHN

Former Head of CRM, UniCredit Group, Central and Eastern Europe

Besides the deep knowledge and experience that Marko Tutunovic and TrimTab Team provided in support of our efforts, they also brought an open and personal way of cooperation which led to the great results that we achieved together. Working as partners reaching for the same goal was from my point of view the key success factor.

Even in difficult situations, I always knew that I can rely on their word and trust in their maximum support.


CRM Team

Team members, Ukrsotsbank / UniCredit Bank, Ukraine

TrimTab consultants delivered one of the most complex and largest implementations in bank’s history in record time and within the planned budget. They helped us change the way that we view and utilise our data and kept the focus on business impact that will be generated as a result of the implementation.

I am pleased to say that over the course of the project our teams become as one and that we become true partners. TrimTab team was always open and ready to share knowledge and experiences and have also continued to provide support to our bank even after the project was completed.


Raiffeisen Bank Serbia


Our bank has a strong base of internally developed predictive models which are in regular use in recurring commercial campaigns.

For this reason we approached the usage of SELLEA leads by testing their quality as a comparative-control-group in existing campaigns that offer same products. During the test period SELLEA leads proved to be selecting likely buyers equally-well and in some cases even better than our predictive models.

Based on these test results, we also deployed SELLEA selections into actual commercial campaigns for products where SELLEA provided stronger selections than our own. This enabled us to confirm the earlier results in real-life scenarios and also to capture the commercial benefit from our participation in the program. The performance of SELLEA leads in actual campaigns was as impressive as during the testing period.

We believe that SELLEA could help us further, after the completion of the Early Adopter Program, to periodically benchmark our predictive models. In cases where the benchmark shows that SELLEA leads outperform one of our models, usage of the leads provided by SELLEA for commercial campaigns will enable the bank to always exploit the full potential that our client-base provides and allow our CRM team much needed time to concentrate on improvements of predictive models that need intervention or re-development.

UniCredit Bank Serbia


UniCredit Bank Serbia has been using SELLEA leads since the start of the Early Adopter Program and we have found SELLEA to be very reliable in returning high conversion rates from campaigns all major product offerings.

The contribution in overall sales made by SELLEA based campaigns was disproportionally high and returned more than 20 times better results in comparison with our standard sales process.We are especially satisfied with the results achieved in campaigns for selling our in-focus sales objectives: Credit Cards and cross-sell of Cash Loans.

The performance of SELLEA leads in campaigns for major product offerings also allowed us to free our resources and focus their efforts on improvements of campaign execution and development of specific selection lists, hence providing our bank with additional benefits.

SELLEA implementation lasted less than two weeks while the monthly effort required for acquiring of target lists is seamless.