Michał Karniłowicz Acma, Cgma Email & Phone Number

Warsaw Metropolitan Area

Finance Director position - leading finance activities of the organisation (PLN 2.5 billion portfolio). Managing finance teams (12 people).

Warsaw, Mazowieckie, Poland

Finance manager position - covering finance and risks international mobile devices rental business that was build from scratch with in-house developed software. Growth from 100 to 15.000 rental contracts worldwide. Buiding and recruiting of a finance and risk teams. Setting fully automated remote KYC and credit risk check processes. Securing and negotiating financing for the business.

Warsaw, Mazowieckie, Poland

Finance Manager position responsible for Eastern Europe Area including: Poland, Czech Republic, Slovakia, Romania, Serbia, Montenegro, Lithuania, Latvia and Estonia. Managing finance team of 15 people.

Warszawa, Woj. Mazowieckie, Polska

Planning and controlling in AXA Poland: 5 entities✓ Managing controllers team (5 people)✓ Forecasting (5-year horizon)✓ Supervising projects of new tools implementation and upgrade (V-Desk, Eureka, TM1)✓ Responsibility for the data quality (systems: SAP, Exact)✓ Direct ownership of IT expenses control

Warsaw, Masovian District, Poland

CFM company (Car Fleet Management - automotive), part of the AutoBinck Group.✓ Member of the Management Team ✓ Managing teams: Accounting, Risk, Debt Collection, Contract Management and Controlling (11 people)✓ Selecting right people to the Finance Department, and keeping them motivated ✓ Responsible for the company books correctness ✓ Liquidity management ✓ Collaboration and negotiations with banks ✓ Supervision over preparation of financial statements, reports and analyses for internal and external stakeholders✓ Responsibility for the budgeting process and its execution (new budgeting tools built from scratch)✓ Cooperation with the law enforcements, external investigating teams and debt collection agencies ✓ Managing crises and nonstandard situations

✓ Responsibility for the monthly closing process ✓ Monthly and yearly reporting to internal and external clients ✓ Budgeting and forecasting ✓ Potential investments, takeovers analysis and recommendations✓ Verification of booking completeness and correctness ✓ Detailed analysis of cost and revenue✓ Liquidity management✓ Management accounting✓ Accounting manual re-design and implementation✓ IT system enhancement projects✓ Analysis of effects of the KBC Autolease and Business Lease merger

Part of the Kredyt Bank Group, KBC Group, 4500 employees✓ Coordination of the implementation of IRBA (Basel II) – up to 20 people in the team ✓ Active participation in 3-member team calculating models (PD, LGD, EAD)✓ Budgeting and forecasting (4-year horizon) ✓ Planning and assessment of a system’s migration during the merger with BZWBK Leasing ✓ Liquidity management ✓ Hedging designing ✓ Provision calculation (migration matrix method) ✓ Cost and revenue detailed analysis ✓ Preparation of reports and financial statements for multiple levels of stakeholders ✓ Participation in operational risk projects

Performing external audits for clients from the financial sector (GFS / FSI - banks, insurance, leasing, customer finance) ✓ Preparing of a client process description and identifying potential areas of risks ✓ Designing and performing tests of control effectiveness ✓ Financial statement review ✓ Verification of the provision calculation (including migration matrix method) ✓ Valuation of derivatives and debt securities ✓ Loan reviews – assessment of financial standing of institution’s clients and identifying potential risks ✓ Assessment of a quality of IT security systems

✓ Responsible for the accounting processes for 5 external clients

✓ Intern in the Reward Information System team✓ Coordination of the multinational project of gathering information on employee remuneration✓ Presentations preparation

Acma, Cgma

CIMA member since 2011, all exams passed, ACMA, CGMA title

Master'S Degree, Accounting And Finance, Very Good

MSc Finance and Accounting Master’s thesis topic „Financial analysis of the merger of Vistula and Wólczanka” Marketing path realized