Tomasz Wlodarczyk Email & Phone Number

Warsaw, Pl

Warszawa, Woj. Mazowieckie, Polska

Warszawa, Woj. Mazowieckie, Polska

Warszawa

Warsaw, Masovian District, Poland

I was hired for the newly created business line - Card payments (fintech start-up). The purpose of the employment was to build a new domestic payment system Inkart for payment cards both for banks and acquirers. I was responsible for sales relations, pricing policy, competition analysis, market trends and support for marketing activities.In addition, I prepared and launched a nationwide program enabling payment by cards at public administration offices and in the Police (cooperation with the Ministry of Entrepreneurship and Technology, Ministry of Finance, Ministry of Administration, the Main Police Headquarters and Foundation Polska Bezgotówkowa).Currently I work on the area of identification and digital identity, creating a commercial eID hub for providing a digital identity in remote relations with clients on the Polish market. I am introducing a new product myID that supplies digital identity to the market.Main achievements:- Production launch of the new national card settlement system Inkart - Launching possibility of cards payments in all polish public offices as well as on the Police. Collecting requirements, organizing a tender, negotiating contracts and pricing conditions, discussions with all stakeholders, organization and planning of a project, participation in the process of statutory changes, designing service processes. In addition, several dozens of presentations and training sessions for several thousand officials throughout Poland- Pilot launch of a commercial eID hub - first identity providers and service providers

Warsaw, Masovian District, Poland

At Kredyt Bank SA I was hired to carry out the business transformation of the card area and ATMs: implementation of modern processes and tools based on the latest technologies, increasing revenues, reducing service costs, reorganizing the product offer, planning development strategies, reorganizing existing organizational structures, simplifying and standardizing sales and service processes.After the takeover by Bank Zachodni WBK S.A. the scope of duties was evaluated in the direction of responsibility for the unification of the product offer, the migration of all solutions of Kredyt Bank SA to the solutions of Bank Zachodni WBK SA, minimizing the loss of revenues in connection with the migration of Kredyt Bank SA's customer portfolio, closing of business relations with Kredyt Bank SA's suppliers. I was a team leader dispersed in various locations: Warsaw, Poznań, and Lublin. I was a mentor, leading new employees of the Bank. I was responsible for the results from the card and ATM business on the entire portfolio of retail and business clients. The cost budget 20 million PLN, the revenue budget 120 million PLN.Main achievements:- Implementation of new IT systems supporting card products and ATMs, migration between systems- Renegotiations of contracts with suppliers- reduction of costs by 20% - PLN 4 million annually- Reorganization of product processes (new product documentation, new service processes)- Increase sales - design and implementation of 40 cyclical actions activating the product portfolio - increase in revenues by 10% - PLN 10 million annually- Replacement of approximately 50 ATMs without additional costs - PLN 2 million savings- Managing the merger of banks in the area of cards and ATMs, over 100 business, technological, marketing and legal projects- Designing and migration of Kredyt Bank cards to Santander Bank solutions- Renegotiation of agreements with suppliers

I was hired to build from scratch cards and ATM area after merge of Bank DnB Nord Polska S.A. with Bank BISE S.A. I was the Head both of business and cards’ operations. Main achievements:- Introduction of modern systems and technical solutions - reduction of losses by PLN 1 million per year- Preparation and implementation of the product strategy - increase in revenue by 25% per annum- Renegotiation of contracts with partners - reduced costs by 0.5 million a year- Introduction of outsourcing of selected business processes- Design and introduction of the concept of "product packages" – sales of support products with the main product- Reorganization of operational teams: transfer of the operations center from Radom to Warsaw. The reorganization resulted in: reduction of operating costs, increased employee motivation and team work as well as keeping all key employees with just a small increase in wages- Reorganization of documentation, customer service processes, sales and bonus rules (ongoing cooperation with McKinsey consultants). As a result, the sales of products increased by 100% with the unchanged level of direct costs and without increasing employment- Cooperation in defining risk parameters for sales of products from the consumer finance area - increasing the level of acceptance with an unchanged level of provisions

Responsible for team, products and processes management in the following ares: cards, liqudity management (cash pools), domestic payments, international payments, direct debit, identification of incoming payments, cheques. Direct sales support - trainings, contact with clients. Main achievements:- Design and implementation of MasCollect mass incoming payments identification system- Design and implementation of MassPayment mass outgoing payment identification system- Implementation of international cash pooling solutions- Design and implementation of solutions in the field of consolidation of sweep and automatic O / N funds- Development and implementation of a transaction banking module in the internet banking system- Implementation of the second credit card for companies in Poland- Winning the Product Manager of the year title

Lecturer for Finance and Banking

Specialist in product management team responsile for international cash pools.

Trainee in Finance Departament responsible for running the project on fixed and variable costs analyse.