Katarzyna Pawłowicz

Experience

• 

  Citi

  Nov 1998 - Mar 2001

  Specialist in Business Cards Department

  Corporate and SME cards operations service

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  Raiffeisen Polbank

  Apr 2001 - Dec 2008

  Head of Payment Cards Management

  Leader of a team of product experts managing payment cards of the bankTypical project areas:- New products implementations (co-brands, affinity, premium)- Regional coordination in CEE- Risk management optimization - Process mapping and optimization- Lifecycle management with focus on activation, usage building and retention- X-sell strategy and implementation roadmap- Unsecured lending strategy- SME payments facilitation strategyBefore 8/2004: full responsibility for payment card operations Show less

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  Kredyt Bank

  Jan 2009 - Dec 2012

  Credit cards and cash loan portfolio manager

  Managing projects in the area of payment cards and cash loanTypical project areas:- New products implementations - Process mapping and optimization- Lifecycle management with focus on activation, usage building and retention- X-sell strategy and implementation roadmap- Unsecured lending P&L maintenance and optimization

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  PKO Bank Polski

  Jan 2013 - Mar 2020

  Expert responsible of projects run in Agile methodology. Aware of agile ceremonies like user story grooming, sprint planning and retrospective, able to break the larger epics into smaller stories, able to define and manage backlog.Major projects focus on the following areas:- Open banking as an opportunity for the business to grow (where AIS and PIS can be added to increase customer value proposition)- Value proposition for new customers especially young generation- European regulation in payments Show less Managing a team of product managers leading projects aimed at improving cards profitability, competitiveness, compliance with domestic and EU regulations, customer value proposition, processes effectiveness, acquisition.Recent projects:- Payments business transformation to comply with PSD 2- Digital conversion of debit cards including Apple Pay, Google Pay, Garmin Pay- Debit card profitability model optimization including detailed scheme cost structure analysis- Muli-currency payment tool design and implementation - Issuing vs acquiring strategy Show less

  • Expert in Product Development Bureau

    Aug 2018 - Mar 2020

  • Debit Cards Manager

    Jan 2013 - Aug 2018
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  Visa

  Mar 2020 - now

  Areas of expertise:• Responsible for business development of Visa innovative product solutions,• Supervision over preparation of use cases per solutions proposed to be rolled out in the market• Development of new value propositions with focus on mobile applications in order to engage digital customers using innovative payment solutions, including fintech solutions• Leading open-market projects in innovation studio in order to design new value proposition, including prototypes of mobile solutions• Customer acquisition, digital onboarding, activation and portfolio management projects inc. technical solutions Show less

  • Head of VAS, Visa CEE

    Dec 2024 - now

  • Product Director, Poland Go To Market, Visa CEE

    Mar 2020 - Dec 2024

  • Payment Solutions Manager, CEE

    Mar 2020 - Dec 2021