Karol Stepien Email & Phone Number

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.

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.

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.

Warszawa, Masovian, Pl

Corporate banking and project finance Tech, social and business trends Blockchain and smart contracts - fundamentals and business use cases

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

Warszawa, Mazowieckie, Pl

FinTech startups evaluation

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.

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.

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.

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.

Warszawa, Warszawa, Pl

Year on Year income growth of 20%Highest increase of active, “Diamond” and new customers (1st position in Poland)

Warszawa, Warszawa, Pl

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

Warszawa, Warszawa, Pl

First high value escrow operation and factoring transaction in the region in SME

Warszawa, Warszawa, Pl

Awarded for gaining the highest amount of new SME business in the region

Diploma, Ican Total Selling

Doctoral Studies, Economics

Master'S Degree, Managment And Marketing