Nikoletta Kovacs is an accomplished professional in the banking sector with extensive experience in sustainability and digital operations. Currently serving as the ESG Business Development Leader at Raiffeisen Bank International AG, Nikoletta has focused on transforming sustainability into business opportunities, leading teams to drive positive environmental and social impacts, and enhancing retail banking strategies across Central and Eastern Europe. Previous roles at Erste Group and OTP Bank Hungary highlight a strong background in product management, strategic project leadership, and innovative customer journey enhancements. Nikoletta holds degrees from prestigious institutions including INSEAD, Oxford Brookes University, and Harvard Business School, specializing in sustainable business strategies and management.