Bernard Bialorucki Email & Phone Number

Warsaw, Pl

Warsaw Area, Poland

Key areas of focus:- Capital Investments acquisitions and transactional management- Companies and projects financing arrangement and structuring- SME-sized enterprises research, acquisitions and takeovers- Financial and operational restructuring, distressed businesses recovery- Cashflow optimization and company financial risks management - Creating, launching and expanding new business opportunities, mostly within the technology adoption, merchandising and international trade- Overseas businesses deployment on polish market

Warsaw, Masovian District, Poland

Trax is the world’s leader in image recognition for retail. Providing leading technology and market data services to tier one manufacturers in over 30 countries around the world, we enable tighter in-store execution controls and holistic view of your competitive landscape, all in real time

Financial Services Business Consulting SAKey areas:- Operational models and processes- Product Development- Strategy and growth models development- Internal Control & Risk Mitigation- Cash Management- Business models for Small & Medium Enterprises, Wealth Management and Consumer Finance

Advisory for Financial Services industry.Key areas:- Efficiency & quality driven operational models.- Operational centralization and outsourcing.- Internal Control and Risk ManagementSales and distribution channels setup and optimization- Product development, marketing and communication strategi- Experience with SME, Retail and Corporate segments, as well as Public Sector

- Leading Internal Audit activities for the Small & Medium Companies customer segment and for the Credit Support- Ongoing involvement in the audit coverage of cross-segment Citi businesses in Poland and Central & Eastern Europe

Development, launch and ongoing management of the marketing approach towards the Small Businesses segment (“CitiBusiness” brand), as well as for the profitability of the offer.Key areas covered:- pricing strategy - managing of the existing products portfolio and developing new products- executing of the advertising strategy, ensuring proper media presence and communication- market research, competitive positioning study and the existing customers data mining- functional and product oversight for the internet banking system

Leading of the project aimed at managing credit risk and improving of the risk process in the Citigroup Leasing companies in Poland.

- Preparation and implemention - from the product and marketing standpoint - an integrated banking offer combining corporate and retail features for working Professionals.- Corporate Bank Branches optimization

In 2000 Citibank Poland started an initiative called “e-Value”, of building an Internet platform servicing the trade flows on the B2B market. My role within e-Value was to develop and implement respective marketing strategy as well as the associated product set. Additionally, I was responsible for the research required for the marketing purposes, including identification of potential buyers and sellers, as well as the competition analysis

Working with bank’s corporate clients, mostly from the bio-chemical and automotive industries, I was responsible for structuring and closing of the non-standard international trade transactions, ensuring their profitability.

The MA program is to rotate a newcomer through 4 assignments across the Bank for an on-job training and business experience. Assignments- Treasury - investment instruments dealer – trading with the corporate clients. - Small & Medium Companies Marketing. Product Development Manager - marketing and product readiness for new customer segment coverage. Building Internet banking system from the branding and communication perspective. Market and competition researches.- Cash Management. Product Manager, implementing new product (wholesale credit card) for bank’s corporate clients distribution chain. Involvement in sales , customers relationship and sales supporting - Central Europe Citibank Regional Office, launching Citibank presence in Bulgaria. marketing research, target market and competition analysis