Wolfgang C.-Owner
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Experience
Owner
cremer consulting
- Design, implementation and initial population using AI of a cloud-based, group-wide central contract management database for the IT subsidiary of a leading European retail company, including related IT-supported contract processes
- Concept paper (preliminary study) on putting central provider management into practice (DORA, German Supply Chain Due Diligence Act, EU Corporate Sustainability Due Diligence Directive CSDDD) as part of the structural realignment of a digital services partner of the Savings Banks Finance Group
- Strategic setup of a new central unit, including development of business requirements specifications for contract and process management and a document management system for a digital services partner of the Savings Banks Finance Group
- Strategic organisational review in the public sector to implement the maturity model as part of the ÖGD Digital Pact (process evaluation, review of tasks, SWOT analysis, staffing assessment)
- Interim IT project lead for a private building society, restructuring the project organisation as part of the technical and strategic process redesign of key end-to-end processes for the new technology platform of the internet portal of Germany’s largest nationwide mortgage broker
- Ensured the strategic and operational readiness of vaccination centres in Hesse as a program management consultant on the politically sensitive Impf-IT project for the Hessian Ministry of Integration and Social Affairs
- Interim management of the IT project portfolio with network partners at a data centre, as part of the multi-year business implementation plan and annual IT planning
- Migration of legacy data from merged regional banks into the group bank’s systems and delivery processes to reduce costs and optimise the business portfolio
- Coached a consulting firm in developing and establishing lending services within Financial Services Banking, using innovative blockchain technology
- Strategic and financial realignment of conference centres in the D-A-CH region to ensure long-term viability while meeting financial targets, including a sales negotiation mandate for a non-profit organisation’s conference centre
Principal Business Consulting
Subito AG
- Project leadership and management responsibilities
- Business consulting, quality and requirements management
- Lead for business area development and sales responsibility
- Business, regulatory and strategic consulting for financial services providers and insurance companies
- Restructuring of organisational structures and operations
- Analysis, design, reorganisation and implementation of digital end-to-end business processes
- Set up a new business area to diversify the customer and service portfolio
- Assessed regulatory standards in relation to business models and consulting approaches
Senior Consultant
SKS Unternehmensberatung GmbH & Co. KG
- Project leadership and management responsibilities
- Business leadership and quality management
- Sales responsibility and contract management
- Business, regulatory and strategic consulting for banks and financial services providers
- Analysis, design, reorganisation and implementation of digital end-to-end business processes
- Designed client-specific digital management systems for consistent oversight
- Designed and carried out procedures for optimising capital, including GAP analysis
- Project portfolio management, including risk assessment
- Maintained the RADR database and analysed the impact of regulatory changes
- Assessed and managed credit portfolio risks
- Developed new strategic consulting approaches and business development
Head of Product Management and Statistical Methods
BV Risk Solutions/BdB
- Member of the executive team, overall project lead and management responsibilities
- Requirements, quality and contract management, as well as service provider management
- Disciplinary and professional leadership of the team and main contact for regulators
- Developed IRBA-capable rating methods for a pool of 25 banks
- Prepared the business concept and ensured business requirements were met in IT implementation
- Release planning, business acceptance and roll-out/go-live
- Defined service level agreements for clients
- Designed and delivered training and information events
- Started the modularisation and componentisation of the IT architecture
- Restructured the department to reduce reliance on external consultants
- Prepared regulatory documentation of the analysis methods and reorganised the department following IRBA certification
Project Manager, Bank Management Department
Federal Association of German Cooperative Banks
- Led the group-wide project committee and provided methodological leadership
- Requirements, quality and risk management, as well as contract and service provider management
- Positioned and led the Retail competence team and represented it on committees
- Developed and implemented the Basel II-compliant VR retail customer rating for all types of financing
- Integrated all customer and product information into risk assessments
- Restructured digital lending processes and improved advisory tools
- Collected data, analysed requirements, developed business concepts and ensured the quality of methodological models
- Implemented the solution in IT at three data centres, including business acceptance and roll-out
- Created e-learning for user training and delivered roadshows across the group
Senior Consultant
INFORMA Unternehmensberatung
- (Partial) project management and technical leadership
- Requirements and contract management
- Technical consulting for national and international clients
- Building the Business Consulting business area, focusing on retail, SMEs, mid-sized businesses and insurance
- Developing application and behavioral scorecards
- Data collection, requirements analysis and business concept design
- Reorganizing and optimizing digital credit decision and customer management processes
- Designing operational strategies and implementing them
- Training on procedures and systems
- Business development
Deutsche Bank AG
- Developing and implementing across the bank an IT-based retail rating system for real estate, including reorganizing credit and decision-making processes
- Developing strategic policy positions and portfolio analyses
- Implementing governance and group policies and contributing to group working groups on risk management
- Establishing a group-wide business review team for commercial real estate and developing an audit concept
- Leading nationwide audits, assessing organizational and business processes, and preparing final audit reports
- Further developing a system for recording, monitoring and analyzing real estate exposures
- Establishing a branch-wide advisory center for home financing in Königstein/Taunus, with responsibility for market performance and results
- Leading teams, conducting home financing seminars and carrying out appraisal work
Industry experience
See where this freelancer has spent most of their professional time.
Experienced in Banking and Finance, Retail, Healthcare, Information Technology, Government and Administration, and Tourism.
Business area experience
See which departments and functions this freelancer has contributed to most.
Experienced in Strategy, Information Technology, Project Management, Audit, Operations, and Quality Assurance.
Summary
Due to my many years of experience and achievements as an independent consultant, specialist and manager in banks and associations, as well as a senior consultant in consulting and outsourcing companies, I have a unique range of experience and a proven ability to apply it in tailored ways that create value for clients and projects.
My strengths lie in analytical and conceptual work, as well as in a practical, solution-oriented approach. I also bring a high level of independence, efficiency and focus on quality, along with respectful teamwork, customer focus and strong communication skills at all levels.
My clients value my expertise and thoughtful, connected way of working, combined with the ability to drive forward the design and management of business and strategic projects, including politically sensitive and complex projects, transformation and reorganisation processes.
Skills
- It Project And Portfolio Management
- Program Management, Project Management, Pmo
- Requirements Management And Requirements Analysis
- Business Consulting (Especially Lending), Including Business Concept Development
- Business Data Analysis And Data Migration
- Business Analysis
- Strategic Organisational Consulting And Development
- Organisational Design And Operations
- Business Area Setup And Development
- Analysis And Modelling Of (Digital) End-To-End Business Processes
- Process Management
- Digital Transformation
- Service Provider Management (Dora, Lksg, Csddd, Marisk, Bait) And Vendor Management
- Document Management, Contract Management, Contract Administration Systems
- It Governance
- Quality Management
- Management Information Systems
- Change Management And Communications Management
- Business It And Software Development
- Workshop Facilitation
- Training, Coaching, Business Coaching
- Microsoft Office Products
- Systems: Visio, Picture, Aris, Graphical Modelling
- Jira, Confluence, Wiki, Lotus Notes, Sharepoint
- Dms Systems
- Osplus, Agree21
Languages
Education
Deutsche Bank
Bank Clerk qualification · Bank Clerk · Germany
Certifications & licenses
Statistics
Experience
Expertise
Qualifications
Frequently asked questions
Have questions? Find more information here.
Wolfgang is based in Bornheim, Germany and can operate in on-site, hybrid, and remote work models.
Wolfgang speaks the following languages: German (Native), English (Elementary).
Wolfgang has at least 45 years of experience. During this time, Wolfgang has worked in at least 5 different roles and for 7 different companies. The average length of individual experience is 6 years and 5 months. Note that Wolfgang may not have shared all experience and actually has more experience.
Based on recent experience, Wolfgang would be well-suited for roles such as: Owner, Principal Business Consulting, Senior Consultant.
Wolfgang's most recent position is Owner at cremer consulting.
In recent years, Wolfgang has worked for cremer consulting.
Wolfgang is most experienced in industries like Banking and Finance, Retail, and Healthcare. Wolfgang also has some experience in Information Technology, Government and Administration, and Tourism.
Wolfgang is most experienced in business areas like Strategy, Information Technology, and Project Management. Wolfgang also has some experience in Audit, Operations, and Quality Assurance.
Wolfgang has recently worked in industries like Banking and Finance, Healthcare, and Information Technology.
Wolfgang has recently worked in business areas like Information Technology, Legal, and Operations.
Wolfgang attended Deutsche Bank for Bank Clerk.
Wolfgang has 2 certificates. These include: Prince2-Zertifizierung and Professional Scrum Master (PSM I) Zertifizierung.
Wolfgang is immediately available part-time for suitable projects.
Daily rate distribution
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Average rates for similar positions
Rates are based on recent contracts and do not include FRATCH margin.
The average daily rate is the mean of all daily rates from recent contracts of comparable freelancers on our platform.
The median daily rate is the middle value of all daily rates — half of comparable freelancers charge less, half charge more. Unlike the average, it is barely affected by outliers.
Calculated based on our freelancers’ daily rates as of 6 Nov 2026. Actual rates may vary depending on seniority level, experience, skill specialization, project complexity, and engagement length.
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