BIO

Cosmina Marinescu leads KRUK România with a deeply human-centric mindset and a strong commitment to building trust in the debt management sector. She sees herself as a „catalyst, not a boss,” nurturing a culture where people are empowered to innovate, share feedback openly, and collaborate with care.

Under her leadership, KRUK has integrated AI, ML, automation, and digital tools to elevate the efficiency and quality of decision-making—
giving clients autonomy and personalised support in managing debt. Her vision combines ethical responsibility with strategic innovation, encouraging faster, smarter, and more meaningful interactions across all levels of the organization.

Cosmina also champions financial education and sustainability initiatives. KRUK under her guidance drives campaigns to increase financial literacy across Romania – and beyond – focusing on education, environmental awareness, and long-term value for communities and individuals.