Full financial modeling and profitability analysis of the project including stress-testing under selected scenarios for the development of the market situation. All legal and formal aspects related to the establishment of the company. On a later stage supervising all legal and accounting matters, financial reporting, relations with banks, tax offices and other stakeholders.

initial profitability analysis of the project including stress-testing under selected scenarios for the development of the market situation. All legal and formal aspects related to the establishment of the company. On a later stage supervising all legal and accounting matters, financial reporting, relations with banks and tax offices.

Obligations within All entities of Yes Finance Group: financial planning, budgeting process and tools for budgetary control. Preparation of periodic reports for the Management Board and the Supervisory Board. Analysis of factors determining the main items of the income statement and balance sheet. Gathering financing for business development (bond issues, banking loans, securitization) covering project management from the first contact with the investor to finalization of financing. Supervision of book keeping, statutory reporting, consolidation, audit process. Supervision of corporate legal matters. Participation in the process of setting-up ownership structure of the Group. Tax optimization of the Group structure.

Active participation in Bank’s Supervisory Board meetings. Supervising the work of an external auditor (Ernst & Young), Issuing opinions on Supervisory Board resolutions as an Chairman of the Audit committee. Leading role in cooperation with Banks’s auditor in the process of merger with Getin Noble Bank S.A. which took place in July 2018.

Preparation of periodic reports to the Executive Board and Supervisory Board. Quarterly reporting on WSE (Warsaw Stock of Exchange). Detailed analysis of factors determining the changes of lines of income statement and balance sheet at an aggregate (Bank and Group) level, and at the level of individual business divisions, groups of customers, distribution channels, products, etc. Co-ordination of a thorough analysis of the profitability of products and customer groups in the area of retail and corporate banking. Benchmarking analysis and market research. Leading the team being the main information source for Pekao SA Group managing bodies.

Responsibilities in Bank – Bank representation in relations with other foreign banks, auditor (Deloite), rating agencies (Fitch, Moody’s). Responsible for communication with foreign advisory bodies (Great Britain) and for financial planning for the Bank (process of seeking up significant capital commitment from a strategic foreign partner). Accounting department duties supervisory, formation of Management Information System (sales reporting, operational expenses analysis, investment expenses analysis, ABC solution, basis of FTP methodology). Budgeting process and its’ execution monitoring. Selected achievements:• successful implementation of majority financial processes and analysis in the Bank, • first implementation of IFRS, • successful negotiations with banks (signed credit lines) and insurance companies (insurance policies) located in Germany.Responsibilities in STC Holding – key role in IPO process on London Stock of Exchange for an agro business entity. Cooperation with foreign advisory bodies (Great Britain) and with investment bank/broker (Russia). Company representation in relations with potential investors (investment funds and international Investment Banks). Financial planning and modeling for an entity from retail business (having 30 supermarkets). Selected achievements:• responsible for all financial affairs in the successful process of IPO of UkrlandFarming PLC on London Stock of Exchange.

Formation of department’s structure (three subunits), set up of banking Management Information System for Local (Poland) and Group (Munich) purposes, full financial planning – also for businesses, data warehouse implementation process, IFRS/US GAAP reporting, FTP solution, concept of products’ margins analysis tool. Substantial role during Management Board meetings as well as Project strategy and planning meetings. Obligatory reporting tool implementation (Central Bank reporting package). Selected achievements: • leading manager in banking license acquiring process (full financial model, financial analysis and scenarios, all financial documents and project description, • meetings with FSA “Polish Financial Supervision Authority”), • implementation of merely all tools and procedures within financial area.

Set up of Management Information System (reports generated on daily and monthly basis for Local (Poland) and Group (Athens) purposes), involvement in data warehouse implementation, realization of FTP (fund transfer pricing) and VBM (value based management) methodologies in Poland, financial planning and budgeting for the whole business in Poland (Polbank EFG and Polbank Dystrybucja), products’ margins analysis. Active role during Management Board meetings, ALCO sessions (asset liability committee), group strategy and planning meetings (held on corporate level in Athens) and a number of other meetings having an influence on Bank’s business. Selected achievements: • development of full financial model of Polbank, which was a base tool for budgeting, • forecasting and performing what-if analysis when introducing or modifying banking products. • Chief Financial Analyst role in Dominet Bank valuation process (Due Diligence). • Successful implementation of all tools and procedures in financial department in almost all areas, especially in the area of financial information delivery for both Management Board and Supervisory Board.

Role of team leader during Telekomunikacja Polska S.A. regulatory audit (second biggest company in Poland), one of team leader during audit of internal processes and controls within Telekomunikacja Polska S.A. Selected achievements: • in-charge team leader of the first regulatory audit in Poland requiring deep knowledge of both: financial reporting standards as well as advanced ABC costing techniques supported with complex data-warehouse solutions.

Banking sector audits (BRE, BOŚ, Bankgesellschaft Berlin Polska, Credit Lyonnais, Volkswagen Bank, Bank Pocztowy, Bank Wschodni, Bank Częstochowa, Wshodni Bank Cukrownictwa), investment funds audits (PKO Credit Suisse, SEB, NFI I, NFI V, NFI XIII), leasing sector audits (Auto Leasing, Volkswagen Leasing, PTL group). Role of team leader at BOŚ, Wschodni Bank Cukrownictwa, Bank Wschodni. Selected achievements: • acting team leader during Bank Wschodni due diligence commissioned by the NBP, • main expert in project of loan portfolio valuation under IRR method at Wschodni Bank Cukrownictwa (first project of that kind in PwC), • risk quantification at BRE Bank.

Banking sector audits (BRE, BOŚ, Bankgesellschaft Berlin Polska, Credit Lyonnais, Volkswagen Bank, Bank Pocztowy, Bank Wschodni, Bank Częstochowa, Wshodni Bank Cukrownictwa), investment funds audits (PKO Credit Suisse, SEB, NFI I, NFI V, NFI XIII), leasing sector audits (Auto Leasing, Volkswagen Leasing, PTL group). Role of team leader at BOŚ, Wschodni Bank Cukrownictwa, Bank Wschodni. Selected achievements: • acting team leader during Bank Wschodni due diligence commissioned by the NBP, • main expert in project of loan portfolio valuation under IRR method at Wschodni Bank Cukrownictwa (first project of that kind in PwC), • risk quantification at BRE Bank.

All duties of financial reporting division (3 employees team). Main duties: monthly financial statements for Fiat Bank and Fiat Finance, preparation of MIS package for both mentioned above entities. Cash budgets and rolling forecasts on monthly basis. Variance analysis, cost of capital analysis, control over interest rate risk and exchange rate risk. Direct reporting to head-office in Italy as well as locally to CEO of the Bank.

Short and long term exchange rate forecasts (technical and fundamental techniques), banking sector stabilization issues (especially effect of central bank interest rates changes, exchange rate fluctuations as well as inflation on risk in commercial banks). Special interest in central banks’ exchange rate interventions and its effectiveness (results of analysis performed were issued as own publication). Also involved in edition of “Report on Inflation” quarterly NBP publication.