4 client segments (Retail Individual, SME, Micro Companies and Private Banking), organization of ca.1000 people.For each segment covering sales (thru branches, digital and sales partnerships), channel management, product development and client management).Over 3 years Retail Banking showed substantial growth of revenues, reduction in cost of risk, excellent improvement of net income contribution and massive growth of number of active clients).

Managing a structure of ca. 250 employees and 200 contractors, organized in 5 sales channels,Direct responsibility for strategy development, sales channels, marketing, HR, legal, PR & research, internal audit and investor relations.Responsibilities: In-depth corporate turnaround. Reducing staff turnover. Improving company revenues, profits and market share. Reshape structure of revenues (move away from mostly mortgages to more balanced revenues from different financial products).Results: substantially improved all major KPIs (details available on request).

Managing sales support in the HQ, retail banking sales network and mortgage division (total of ca. 3,500 people)Direct responsibility for 13 regional directors, consumer finance sales director, departments of sales support, organization, analytics and training.Responsibilities developing and implementing retail banking strategy, based on cross sell and product activity. Consolidation of the branch network. Improving sales and client retention in banking & consumer finance products. Reducing staff turnover.Results: Developed and implemented advanced retail banking strategy, based on cross sell and products activity (CAs, CCs, cash & mortgage loans). Successfully merged two separate networks, specializing in consumer finance and retail banking. Improved sales and client retention in banking & consumer finance products. Reduced staff turnover while improving efficiency of sales organization. During my tenure Lukas was 2 times ranked #1 “Most friendly bank” by Newsweek (2007 and 2008).

Managing a structure of 6 divisions, 250 FTE, approx. 60 subcontractors and out-sourcing companies.Directly managing a team of executive directors responsible for IT, Operations, Mar-keting, Retail Sales, B2B Sales and Finance.Responsibilities: developing and implementing market strategy. In-depth corporate turnaround. Improving company profitability.Results: Substantially improved company's profitability. Designed and implemented new organizational structure of the retail sales force. Increased number of cards under management and ATMs managed. Designed and implemented new organizational structure of the company, reduced FTE headcount. Implemented new processing products.