Michał Kwiecień

Runs digital development for Retail, Personal Finance, Private, Micro and Agriculture Business Lines. Increases products online availability, designs and optimizes omni-channel Customer Journeys (end-to-end processes for cash loan, credit card, overdraft and all deposit products). Identifies and explores market opportunities for new business generation (eCommerce, mCommerce and payments). Develops payments strategy and implements appropriate solutions (Pay-by-Link, HCE, Android Pay, in-app payments).

Identifies business requirements for digital banking. Approves projects, specifications and valuations for digital banking initiatives. Ensures high quality in digital channels by supervising User Acceptance Tests of all digital touch-points. Provides reporting for digital channels to the Management Board.

Manages innovation and maintains high awareness of the financial market, payment industry, competitors and internal BNP Paribas Group activities to ensure that all business opportunities are identified, considered and addressed appropriately.

Designed, initiated and implemented digital strategy and transformation of the Retail Division of BNP Paribas in Poland (liquid Customer Experience, digital IT architecture, end-to-end process digitization). Led the digital program with main objectives including appropriate organization, structure, products and simplification as an enabler for IT. Increased digital capabilities and improved market positioning of the bank (key focus on convenience and User Experience). Moved branch processes to self-service (digital) channels enabling the bank to reduce the total number of physical branches (onboarding, cross-sell and daily banking transactions). Proposed new organizational structure that allowed delivery of digital change in the bank so it becomes more agile and innovative.

Designed and executed strategy of acquisition, cross-sell and customer activation in Internet and Mobile. Activated customers in digital channels by redesigning User Experience in Internet Banking, implementing Mobile Banking (new channel) and introducing online payments (Pay-By-Link) to allow customers to shop online. Prepared and completed sales projects and actions in digital channels (concept, schedule, rules, process, execution and reporting). Inspired definition of products sold in the Internet (iKonto – online offering of BNP Paribas). Defined and delivered digital sales goals for banking products sold online with key focus on profitability, credit and deposit volume.

Led a team responsible for management and implementation of complex initiatives for digital channels. Managed and implemented projects related to digitization of banking business, including Internet Banking, Mobile Banking and payments (product development, technology and integration, marketing initiatives, customer acquisition and adoption strategies). Completed electronic banking projects deployment (product development strategy, requirements definition, system/vendor selection, implementation and post go-live development).

Had the key responsibility allocated in Alior Sync, a banking start-up project. Main focus areas included Internet, Mobile and Tablet Banking customer touch-points (design, implementation, maintenance, development) as well as customer onboarding processes and payments. Second top priority was development of ‘classic’ Alior Bank’s digital capabilities, such as implementation of Mobile Banking and development of Internet Banking.

Managed initiation, planning, execution, controlling and conclusion of electronic banking projects:
- Drove projects and team members to successful execution of projects on time and within budget (including products, enhancements, innovations, conversions, systems integrations)
- Advised on milestones and reported to top managers of the Bank, vendors and consultants
- Developed and supervised programming tasks to meet project goals
- Supervised due diligence information gathering, analysis and reporting

Joined the bank for the merger with Bank BPH to launch PekaoFirma24, a new online and mobile banking platform dedicated to SME customers. Delivered technology solutions appropriate for self-service channels (WWW, mobile, IVR) that best met SME customers’ needs. Defined digital roadmap to meet market requirements and support product line strategy (life cycle, product profitability, pricing strategies, client satisfaction and sales success rate).

Run regular product management responsibilities and development tasks (business analysis, vendor management, training and product strategy). Identified market needs and articulated them in detailed Business Analysis documentation. Built and reviewed functional specs, managed internal and external aspects of the product inception and initialization process. Identified and managed system upgrades. Supervised testing, reviewed test results and recommend necessary alteration of testing of products. Provided technical support for the back office units and branch office network. Developed, reviewed and enforced policies and procedures related to electronic banking to ensure accuracy and compliance with regulations.

Drove efforts related to marketing and sales of financial products. Evaluated effectiveness of promotional, sales and advertising programs. Gathered and analyzed statistical data reflecting electronic banking activity and operational performance. Increased customer usage of electronic banking channels.

Managed corporate banking products, services, and system applications associated with the bank’s electronic banking product lines. Ensured system stability and products availability. Established and implemented bank-wide procedures and processes related to electronic banking (including uniform international account opening and SWIFT messages). Reviewed products and services modification requests. Recommended products, services, and systems changes based on industry research.

Prepared business analysis and defined user requirements for operational and system problems. Managed system related projects. Evaluated user requests for new or modified IT solutions to determine feasibility, compatibility with current systems, cost, time required and computing capabilities. Performed maintenance of existing applications and documentation. Analyzed, reviewed, and altered processes to adapt them to new requirements and increase operating efficiency.

Software developer to a world leader in security-holder services. Successfully implemented business needs and managed databases. Programmed with PowerBuilder™ tools (C++). Executed tasks related to quality assurance and system testing.