Karol Stepien
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Karol Stepien Email & 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 at 10Clouds Financial Institutions Sp. z o.o.
Location: Warsaw, Mazowieckie, Poland 16 work roles 3 schools
1 work email found @karolstepien.pl 2 phones found area 822 LinkedIn matched
✓ Verified Jun 2026 4 data sources Profile completeness 100%

Contact Signals · 1 work email · 2 phones

Work email k****@karolstepien.pl
Direct phone (822) ***-****
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Role
10C FI CEO I Unleashing technology in financial institutions I AI driven Design & Development I Micro, SME & corporate banking, fintech I Executive consultant
Location
Warsaw, Mazowieckie, Poland

Who is Karol Stepien? Overview

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Quick answer

Karol Stepien is listed as 10C FI CEO I Unleashing technology in financial institutions I AI driven Design & Development I Micro, SME & corporate banking, fintech I Executive consultant at 10Clouds Financial Institutions Sp. z o.o., based in Warsaw, Mazowieckie, Poland. AeroLeads shows a work email signal at karolstepien.pl, phone signal with area code 822, and a matched LinkedIn profile for Karol Stepien.

Karol Stepien previously worked as Chief Executive Officer at 10Clouds Financial Institutions Sp. Z O.O. and Banking, FinTech and Business Management Consultant at Karol Stępień, Unleashing Technology In Banking. Karol Stepien holds Diploma, Ican Total Selling from Ican Institute.

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Email format at 10Clouds Financial Institutions Sp. z o.o.

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{first}@karolstepien.pl
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Profile bio

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.

Listed skills include Banking, Commercial Banking, Credit, Credit Risk, and 22 others.

Current workplace

Karol Stepien's current company

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10Clouds Financial Institutions Sp. z o.o.
10Clouds Financial Institutions Sp. Z O.O.
10C FI CEO I Unleashing technology in financial institutions I AI driven Design & Development I Micro, SME & corporate banking, fintech I Executive consultant
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16 roles · 9 years

Karol Stepien work experience

A career timeline built from the work history available for this profile.

Chief Executive Officer

Current

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.

Nov 2022 - Present

Banking, Fintech And Business Management Consultant

Current

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.

Nov 2018 - Present

Contractor / Business Leader

Current
Pwc

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.

Nov 2018 - Present

Guest Lecturer For Mba

Current

Warszawa, Masovian, PL

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

Nov 2018 - Present

Head Of Banking & Fintech

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.

Apr 2020 - Nov 2022

Fintech Expert

Warszawa, Mazowieckie, PL

FinTech startups evaluation

Dec 2019 - Mar 2022

Head Of Business Client Sales Department

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..

2017 - 2018 ~1 yr

Head Of Corporate Banking Sales In Poland

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..

Feb 2016 - Oct 2017

Head Of Mid Corporate Banking In Poland

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.

Oct 2014 - Feb 2016

Head Of Sme In Poland

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.

Jul 2011 - Sep 2014

Regional Director - Mid Corporate Banking

Warszawa, Warszawa, PL

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

Jun 2010 - Jun 2011

Medium Corporate Banking Manager

Warszawa, Warszawa, PL

Jun 2009 - May 2010

Rm Mid Corporate Banking

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

Mar 2007 - May 2009

Junior Rm - Mid Corporate Banking

Warszawa, Warszawa, PL

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

Sep 2006 - Mar 2007

Sme Banking Representative

Warszawa, Warszawa, PL

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

Nov 2005 - Sep 2006

Co-Owner

Pro Consulting S.C. D.Stepien, K. Stepien
Jan 2002 - Oct 2017
3 education records

Karol Stepien education

Diploma, Ican Total Selling

Ican Institute

Doctoral Studies, Economics

Uniwersytet Szczeciński

Master'S Degree, Managment And Marketing

Uniwersytet Szczeciński
FAQ

Frequently asked questions about Karol Stepien

Quick answers generated from the profile data available on this page.

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 10Clouds Financial Institutions Sp. z o.o.?

Karol Stepien is listed as 10C FI CEO I Unleashing technology in financial institutions I AI driven Design & Development I Micro, SME & corporate banking, fintech I Executive consultant at 10Clouds Financial Institutions Sp. z o.o..

What is Karol Stepien's email address?

AeroLeads has found 1 work email signal at @karolstepien.pl for Karol Stepien at 10Clouds Financial Institutions Sp. z o.o..

What is Karol Stepien's phone number?

AeroLeads has found 2 phone signal(s) with area code 822 for Karol Stepien at 10Clouds Financial Institutions Sp. z o.o..

Where is Karol Stepien based?

Karol Stepien is based in Warsaw, Mazowieckie, Poland while working with 10Clouds Financial Institutions Sp. z o.o..

What companies has Karol Stepien worked for?

Karol Stepien has worked for 10Clouds Financial Institutions Sp. Z O.O., Karol Stępień, Unleashing Technology In Banking, Pwc, Uczelnia Łazarskiego W Warszawie, and 10Clouds.

How can I contact Karol Stepien?

You can use AeroLeads to view verified contact signals for Karol Stepien at 10Clouds Financial Institutions Sp. z o.o., including work email, phone, and LinkedIn data when available.

What schools did Karol Stepien attend?

Karol Stepien holds Diploma, Ican Total Selling from Ican Institute.

What skills is Karol Stepien known for?

Karol Stepien is listed with skills including Banking, Commercial Banking, Credit, Credit Risk, Sales Management, Strategy, Loans, and Leadership.

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