Karol Stepien

Karol Stepien Email and Phone Number

10C FI CEO I Unleashing technology in financial institutions I AI driven Design & Development I Micro, SME & corporate banking, fintech I Executive consultant @ 10Clouds Financial Institutions Sp. z o.o.
Karol Stepien's Location
Warsaw, Mazowieckie, Poland, Poland
Karol Stepien's Contact Details

Karol Stepien personal email

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About Karol Stepien

I operate with a strategic perspective aimed at establishing a robust operational framework that propels businesses to new success. My profound understanding of corporate requisites and objectives empowers me to drive companies towards growth.I facilitate clients in the establishment of digital financial institutions, navigating the journey from product ideation and process refinement to greenfield product development, culminating in the deployment of cutting-edge technology solutions that wield transformative impacts on outcomes.My track record is adorned with evidence of adeptly managing change, fostering business expansion, orchestrating strategic and operational sales endeavors, all fortified by the implementation of effective technological solutions.My areas of expertise encompass a wide spectrum, including fintech, corporate banking, SME banking, micro banking, retail banking, capital markets, process enhancement, conceptualization of innovative business models, pricing strategies, sales management, bespoke software development (inclusive of AI applications), and design aesthetics.

Karol Stepien's Current Company Details
10Clouds Financial Institutions Sp. z o.o.

10Clouds Financial Institutions Sp. Z O.O.

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10C FI CEO I Unleashing technology in financial institutions I AI driven Design & Development I Micro, SME & corporate banking, fintech I Executive consultant
Karol Stepien Work Experience Details
  • 10Clouds Financial Institutions Sp. Z O.O.
    Chief Executive Officer
    10Clouds Financial Institutions Sp. Z O.O. Nov 2022 - Present
    Proficient Company Management and Growth:- Collaborating within 10Clouds to strategize and construct banking and fintech-oriented consulting and software company.- Orchestrating end-to-end strategies, from inception to substantial revenue generation.- Curating an extensive product portfolio that resonates with market demands.- Spearheading inventive marketing campaigns to enhance brand visibility and reach.- Nurturing business development initiatives within the dynamic financial industry.- Skillfully harmonizing a diverse array of services, products, and competencies into cohesive solutions.- Constructing resilient organizational frameworks and fostering industry partnerships to fuel growth.Services-Focused Product Discovery and Software Development:- Leading specific projects in partnership with financial institutions, encompassing both banks and fintech companies.- Innovating comprehensive online lending processes tailored for corporate clients.- Devising impactful sales models that cater to the unique needs of corporate banks.- Pioneering advanced digital onboarding and KYC mechanisms that redefine industry standards.- Developing cutting-edge digital scoring engines to empower factoring companies.- Successfully launching digital lending products that cater to evolving customer preferences.- Crafting compelling value propositions for financial institutions to enhance their market positioning.- Orchestrating IT-focused scaling initiatives for fintech businesses to drive expansion.- Designing and implementing virtual branch solutions that enhance customer engagement and accessibility.- Conducting thorough UX/UI audits for financial institutions, optimizing user experiences.Through these multifaceted endeavors, I consistently navigate the intricate landscape of financial technology, fostering sustained growth and innovation while maintaining an unwavering commitment to excellence.
  • Karol Stępień, Unleashing Technology In Banking
    Banking, Fintech And Business Management Consultant
    Karol Stępień, Unleashing Technology In Banking Nov 2018 - Present
    My expertise lies in the facilitation of digital financial institution construction, with a distinct emphasis on transformative services encompassing product discovery, process enhancement, and product creation, all underpinned by custom software development.1. Services-Centric Approach: Product Discovery, Process Enhancement, and Custom Software Development:- I specialize in aiding the establishment of digital financial institutions, concentrating on corporate banking, SME, micro, and retail consulting for financial entities. My focus rests on the following key areas:2. Value Proposition and Business Strategy Enhancement:- Collaborating to construct compelling value propositions and sales strategies, enhancing performance and guiding new ventures toward success.3. Sales Process Optimization:- Streamlining end-to-end sales processes to elevate sales conversion rates and augment client user experiences.4. Pricing Methodology Implementation:- Devising and executing pricing methodologies to refine product alignment, ensuring optimal market fit.5. Lending Process Modernization:- Overhauling lending procedures, encompassing advanced factoring approaches and top-tier solutions, to modernize and enhance efficiency.6. IT Tools Design and Prototyping:- Designing and prototyping IT tools tailored for management and sales, including CRM systems, to empower efficient operations and sales processes.7. Digital Transformation and FinTech Integration:- Guiding institutions through the process of digital transformation and FinTech integration, enabling them to harness cutting-edge technologies for competitive advantage.Through my specialized expertise, I steer financial institutions towards success by leveraging well-crafted strategies and innovative solutions that encompass the realms of product discovery, process refinement, and custom software development.
  • Pwc
    Contractor / Business Leader
    Pwc Nov 2018 - Present
    Gb
    Corporate banking, SME and micro business consulting with focus on:- building value proposition and sales strategy for improved results or new ventures,- optimization of end to end sales process to improve sales conversion ratios and client's UX,- preparation and implementation of pricing methodologies to improve prodfit,- modernize and streamline of lending process - including top tier factoring approach, - design, prototype and selection of IT tools for management and sales (including CRM),- digital transformation and FinTech.
  • Uczelnia Łazarskiego W Warszawie
    Guest Lecturer For Mba
    Uczelnia Łazarskiego W Warszawie Nov 2018 - Present
    Warszawa, Masovian, Pl
    Corporate banking and project finance Tech, social and business trends Blockchain and smart contracts - fundamentals and business use cases
  • 10Clouds
    Head Of Banking & Fintech
    10Clouds Apr 2020 - Nov 2022
    Warsaw, Mazowieckie, Pl
    Planning and building banking and fintech focused software business together with 10Clouds- Strategy preparation and execution from scratch to significant revenue generation- Product shelf building- Inventing and conducting marketing initiatives- Business development in financial industry- Orchestrating different services, products and competencies into the final solution- Leading specific projects with financial institutions – banks and fintechs (mainly in business banking) e.g. online lending process for business clients, sales model for corporate bank, digital onboarding and KYC advanced mechanism & process concept, digital scoring engine for factoring company, digital lending product launch, value proposition creation for a bank, global fintech business scaling from the IT perspective, virtual branch solution creation and implementation, UX&UI audit for online factoring fintech and more- Building organizational structure & industry partnerships
  • Accelpoint
    Fintech Expert
    Accelpoint Dec 2019 - Mar 2022
    Warszawa, Mazowieckie, Pl
    FinTech startups evaluation
  • Alior Bank S.A.
    Head Of Business Client Sales Department
    Alior Bank S.A. 2017 - 2018
    Warszawa, Mazowieckie, Pl
    Managing sales force of 150 corporate banking employess in Poland. Responsible for full P&L budgets. Preparation and introduction of sales strategy, marketing plan, business model, new sales process and results execution. New technology sales tools implementation - leading to marketing automation. Training programs preparation. Recruitments of sales force. Close cooperation with the board. Set of C-level connections.
  • Raiffeisen Polbank
    Head Of Corporate Banking Sales In Poland
    Raiffeisen Polbank Feb 2016 - Oct 2017
    Warszawa, Warszawa, Pl
    Managing sales force of 200 corporate banking employess in Poland. Responsible for full P&L budgets. Preparation and introduction of sales strategy, marketing plan, business models, sales processes and results execution. New technology sales tools implementation - leading to marketing automation. Training programs preparation. Recruitments of sales force. Close cooperation with the board. Set of C-level connections.
  • Raiffeisen Polbank
    Head Of Mid Corporate Banking In Poland
    Raiffeisen Polbank Oct 2014 - Feb 2016
    Warszawa, Warszawa, Pl
    Sales management of Mid Corporate business line in Poland. Preparation and introduction of sales strategy, business models and results execution.Made the business line fastest growing business in RBPL in 2014 and in 2015 in two main KPIs - gross income and clients by delivering exceptional results: 2015 - : 15% of growth in clients and 17% in assets, and in 2014 15% of growth in clients and in assets, 49% in factoring (being top factor in the market).Together with Project Finance Department, launch of Project Finance deals processing in the sales force.
  • Raiffeisen Polbank
    Head Of Sme In Poland
    Raiffeisen Polbank Jul 2011 - Sep 2014
    Warszawa, Warszawa, Pl
    Sales management of SME business line in Poland. Preparation and introduction of sales strategy, business models and results execution.Implemented Sales Force Effectiveness Project for SME resulting in increase of meetings with companies of +27% YoY, thereof with prospects +101%, deals done increase to amount of 70% of total assets exposure in SME, credit volume increase of +10% YoY, factoring volume increase of +26%, factoring income increase of +27.Hunter’s network restructuration and introduction of new sales model in SME (3 times more new clients, cots lowered 2 times at the same time).Cross-sell focus, mainly in treasury and factoring products.
  • Raiffeisen Polbank
    Regional Director - Mid Corporate Banking
    Raiffeisen Polbank Jun 2010 - Jun 2011
    Warszawa, Warszawa, Pl
    Year on Year income growth of 20%Highest increase of active, “Diamond” and new customers (1st position in Poland)
  • Raiffeisen Polbank
    Medium Corporate Banking Manager
    Raiffeisen Polbank Jun 2009 - May 2010
    Warszawa, Warszawa, Pl
  • Raiffeisen Polbank
    Rm Mid Corporate Banking
    Raiffeisen Polbank Mar 2007 - May 2009
    Warszawa, Warszawa, Pl
    TOP PERFORMER title after year 2010, R-CHALLENGER title after year 2010HR program invention and introduction - “Go4Business!” with Wyborcza and University of Szczecin
  • Raiffeisen Polbank
    Junior Rm - Mid Corporate Banking
    Raiffeisen Polbank Sep 2006 - Mar 2007
    Warszawa, Warszawa, Pl
    First high value escrow operation and factoring transaction in the region in SME
  • Raiffeisen Polbank
    Sme Banking Representative
    Raiffeisen Polbank Nov 2005 - Sep 2006
    Warszawa, Warszawa, Pl
    Awarded for gaining the highest amount of new SME business in the region
  • Pro Consulting S.C. D.Stepien, K. Stepien
    Co-Owner
    Pro Consulting S.C. D.Stepien, K. Stepien Jan 2002 - Oct 2017

Karol Stepien Skills

Banking Commercial Banking Credit Credit Risk Sales Management Strategy Loans Leadership Management Team Management Sme Banking Financial Analysis Retail Banking Credit Analysis Factoring Risk Management Portfolio Management Digital Strategy Strategic Planning Conflict Management Organizational Effectiveness Fintech Sales Execution Strategy Execution Technology Management Business Strategy

Karol Stepien Education Details

  • Ican Institute
    Ican Institute
    Ican Total Selling
  • Uniwersytet Szczeciński
    Uniwersytet Szczeciński
    Economics
  • Uniwersytet Szczeciński
    Uniwersytet Szczeciński
    Managment And Marketing

Frequently Asked Questions about Karol Stepien

What company does Karol Stepien work for?

Karol Stepien works for 10clouds Financial Institutions Sp. Z O.o.

What is Karol Stepien's role at the current company?

Karol Stepien's current role is 10C FI CEO I Unleashing technology in financial institutions I AI driven Design & Development I Micro, SME & corporate banking, fintech I Executive consultant.

What is Karol Stepien's email address?

Karol Stepien's email address is ka****@****pien.pl

What is Karol Stepien's direct phone number?

Karol Stepien's direct phone number is +482258*****

What schools did Karol Stepien attend?

Karol Stepien attended Ican Institute, Uniwersytet Szczeciński, Uniwersytet Szczeciński.

What are some of Karol Stepien's interests?

Karol Stepien has interest in International And Local Politics, Freestyle Snowboarding, Economy, Windsurfing, Billiard, Russian, Czech And Polish Literature, Foreign Languages And Travels.

What skills is Karol Stepien known for?

Karol Stepien has skills like Banking, Commercial Banking, Credit, Credit Risk, Sales Management, Strategy, Loans, Leadership, Management, Team Management, Sme Banking, Financial Analysis.

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