Get to know the PragmaGO Group
We specialize in financial services aimed at micro, small and medium-sized companies. We create our solutions from the ground up – we are both a source of financing and a developer of the technology necessary to distribute them through diverse channels.
Get to know the PragmaGO Group
We specialize in financial services aimed at micro, small and medium-sized companies. We create our solutions from the ground up – we are both a source of financing and a developer of the technology necessary to distribute them through diverse channels.
OUR MISSION
We support entrepreneurs in their daily activities and together with them we are changing the Polish economy. In response to the needs of SME companies, we create solutions that allow them to gain permanent and stable access to financing. This gives the entrepreneur financial security, allows them to grow and achieve further business goals. We constantly invest in technology so that the process of obtaining financing requires minimal involvement from the client. We are at the “fingertips” – at the place and time when the client needs us.
Our role in the financial system
SMEs are a segment that has limited access to bank financing. We are reaching out to it:
We are developing financial technology
We responsibly manage credit risk:
PragmaGO Group structure
In 2021, Polish Enterprise Funds SCA became the majority shareholder of PragmaGO SA (as the Parent Company of the Parent Company).
The PragmaGO Capital Group includes:
Probably like a bank, only convenient and fast
PragmaGO SA – Parent company and financial institution with over 27 years of experience, providing a source of financing for clients. PragmaGO SA obtains financing through, among others, bond issues on the Catalyst market, or cooperation with the European Bank for Reconstruction and Development. The company maintains the highest equity in the non-bank sector with low debt ratios. This guarantees the implementation of even large and long-term projects.
The recipients of PragmaGO brand communications are entrepreneurs. Distribution of services under the PragmaGO brand is carried out online (pragmago.pl) and through broker networks. These include, for example, Expander, Notus Finance, and Platinum Financial.
Products under the PragmaGO brand:
PragmaGO clients have access to the Client Zone, an online platform where they can manage their financial products from anywhere at any time.
You do the business, we`ll do the finance.
PragmaGO.tech – Subsidiary of PragmaGO SA, a technology provider. PragmaGO.tech’s team includes more than 40 developers and UX/UI specialists and experienced managers. The company develops proprietary technology solutions and processes – both in the areas of analytics, financing risk and scoring, online customer environment and integration with partner ecosystems. These include, for example, marketplace platforms, payment card operators and SaaS store software providers.
It is a brand for innovative embedded finance B2B products aimed at partners and potential partners who want to integrate financial services and offer them to business customers. By doing so, PragmaGO.tech partners increase profits, competitiveness and build loyalty of their customers. PragmaGO.tech and its partner create a synergistic effect – reaching hundreds of thousands of entrepreneurs in a single moment, who get access to financing for their business.
PragmaGO.tech partners have access to the Partner Zone – an online panel where they can check billing, contract statuses, and download marketing materials.
Gross Ltd. – Subsidiary of PragmaGO SA, offering online financing in the form of targeted loans, tax and Social Security financing and factoring.
Monevia sp.z o.o. Subsidiary of PragmaGO SA . Leader in the market of financing single sales invoices(invoice discounting). This is invoice financing without a fixed contract and the obligations arising from it, 100% online. Monevia has developed User Experience solutions, thanks to which it is possible to finance receivables of low denominations (as low as PLN 700 or EUR 200), with an initial limit of PLN 50,000. Monevia’s solutions are appreciated especially by companies operating in the TSL segment, where the time of access to funds is crucial for the execution of subsequent orders.
Omnicredit specializes in digital factoring. The company has been growing rapidly for several years, increasing both its client base and turnover. It is efficiently managed and profitable – last year it achieved a net profit of 354 thousand euros, with a turnover of 40 million euros (+40% y/y). At the end of 2023, the receivables portfolio amounted to €6.4 million (+54% y/y). In the first half of this year, Omnicredit has already reached €28.5 million in turnover, achieving growth of as much as 90% y/y. Its receivables portfolio grew to €8.2 million. Omnicredit is licensed as a non-bank financial institution (IFN) and is regulated by the National Bank of Romania. With an expert model for estimating the cost of risk, the company maintains high standards in credit risk management and financial reporting.
Composition of management bodies
PragmaGO SA (Parent Company)
Management
Tomasz Boduszek
CEO, Chief Executive Officer
He has been acting as the President of the Management Board of PragmaGO S.A. since 2011. He built the PragmaGO Group from scratch. He transformed a debt collection startup with initial capital of PLN 50 thousand into a dynamically developing fintech. Tomasz Boduszek has experience in the effective development of business through M&As. He participated in ten transactions of that kind, including seven times as CEO of the buyer and three times as CEO of the seller, and the transaction value was several hundred million of PLN. Since 2011, he has managed various companies from the PragmaGO Group, floating them on the New Connect, the main market of the Warsaw Stock Exchange and the Catalyst bond market.
He has been acting as the President of the Management Board of PragmaGO S.A. since 2011. He built the PragmaGO Group from scratch. He transformed a debt collection startup with initial capital of PLN 50 thousand into a dynamically developing fintech. Tomasz Boduszek has experience in the effective development of business through M&As. He participated in ten transactions of that kind, including seven times as CEO of the buyer and three times as CEO of the seller, and the transaction value was several hundred million of PLN. Since 2011, he has managed various companies from the PragmaGO Group, floating them on the New Connect, the main market of the Warsaw Stock Exchange and the Catalyst bond market.
Jacek Obrocki
Vice President, Chief Financial Officer
An economist with over 20 years of experience gained, inter alia, as a director of the investment banking department at the BDM Brokerage House. He specialises in investment banking, financial and stock exchange analytics. He obtained the title of Chartered Financial Analyst (CFA), completed numerous training courses in LBO, MBO, M&A, accounting (PSR, IAS, US GAAP), law on public trading in securities, commercial law. He is an expert on financial market analysis and macroeconomics at PragmaGO.
An economist with over 20 years of experience gained, inter alia, as a director of the investment banking department at the BDM Brokerage House. He specialises in investment banking, financial and stock exchange analytics. He obtained the title of Chartered Financial Analyst (CFA), completed numerous training courses in LBO, MBO, M&A, accounting (PSR, IAS, US GAAP), law on public trading in securities, commercial law. He is an expert on financial market analysis and macroeconomics at PragmaGO.
Danuta Czapeczko
Vice President, Chief Growth Officer
She has over 18 years of experience in marketing and sales management. She has been working at PragmaGO since 2011. She specialises in embedded finance services for business, launching new solutions for Polish entrepreneurs. She coordinates the work of a team of managers responsible for cooperation with partners such as Allegro, Polskie ePłatności, Przelewy24, Tpay, imoje, and Shoper. She was a speaker at industry discussion panels, including “Fintech and E-commerce Linking Days”, “Risk and Supervision Meeting”, “E-commerce. Opportunities, trends, challenges”.
She has over 18 years of experience in marketing and sales management. She has been working at PragmaGO since 2011. She specialises in embedded finance services for business, launching new solutions for Polish entrepreneurs. She coordinates the work of a team of managers responsible for cooperation with partners such as Allegro, Polskie ePłatności, Przelewy24, Tpay, imoje, and Shoper. She was a speaker at industry discussion panels, including “Fintech and E-commerce Linking Days”, “Risk and Supervision Meeting”, “E-commerce. Opportunities, trends, challenges”.
Łukasz Ramczewski
Vice President, Chief Sales Officer
He is a manager with over 14 years of experience in financial markets, factoring and SME finance. He has been professionally involved with PragmaGO since 2010, where he has been acting as Chief Sales Officer since 2018, leading a team of several people. He actively participates in the development of financial products and solutions, taking into account the changing needs of Polish entrepreneurs. He conducts training courses on receivables products for financial brokers.
He is a manager with over 14 years of experience in financial markets, factoring and SME finance. He has been professionally involved with PragmaGO since 2010, where he has been acting as Chief Sales Officer since 2018, leading a team of several people. He actively participates in the development of financial products and solutions, taking into account the changing needs of Polish entrepreneurs. He conducts training courses on receivables products for financial brokers.
Supervisory Board
Dariusz Prończuk
Chairman of the Supervisory Board
He graduated from the Department of Foreign Trade at the Main School of Planning and Statistics (SGPIS) in Warsaw. He acts as the Managing Partner at Enterprise Investors Sp. z o.o. and a Member of the Management Board of that company. He is also a Member of the Supervisory Boards of companies from the Enterprise Investors portfolio. He has 35 years of experience in private equity and corporate finance in the Central European region. He has carried out more than several dozen investments in Enterprise Investors since 1993 – mainly in the financial services, IT, construction and FMCG sectors, including investments such as: Lukas, Comp Rzeszów (currently Asseco Poland), COMP, Magellan, Kruk, Netrisk and AVG.
He graduated from the Department of Foreign Trade at the Main School of Planning and Statistics (SGPIS) in Warsaw. He acts as the Managing Partner at Enterprise Investors Sp. z o.o. and a Member of the Management Board of that company. He is also a Member of the Supervisory Boards of companies from the Enterprise Investors portfolio. He has 35 years of experience in private equity and corporate finance in the Central European region. He has carried out more than several dozen investments in Enterprise Investors since 1993 – mainly in the financial services, IT, construction and FMCG sectors, including investments such as: Lukas, Comp Rzeszów (currently Asseco Poland), COMP, Magellan, Kruk, Netrisk and AVG.
Bartosz Chytła
Member of the Supervisory Board, Member of the Audit Committee
He graduated from the Faculty of Management and Marketing at the AGH University in Krakow. He holds the MBA diploma of École nationale des ponts et chaussées in Paris and the Bristol University. He began his career in 1996 at Pierwszy Polsko-Amerykański Bank S.A. He held the position of Vice-President of the Management Board of Fortis Bank S.A. since 2004. In the years 2008– 2012, he was first a Member and later the President of the Management Board of Bank DnB NORD Polska S.A. He held the position of Vice-President of the Management Board of Getin Holding S.A. from 2012 to 2013. Between 2013 and 2015, he acted as the President of the Management Board of Meritum Bank ICB S.A. He worked as the First Vice-President of the Management Board of Nest Bank S.A. from 2015 to 2019.
He graduated from the Faculty of Management and Marketing at the AGH University in Krakow. He holds the MBA diploma of École nationale des ponts et chaussées in Paris and the Bristol University. He began his career in 1996 at Pierwszy Polsko-Amerykański Bank S.A. He held the position of Vice-President of the Management Board of Fortis Bank S.A. since 2004. In the years 2008– 2012, he was first a Member and later the President of the Management Board of Bank DnB NORD Polska S.A. He held the position of Vice-President of the Management Board of Getin Holding S.A. from 2012 to 2013. Between 2013 and 2015, he acted as the President of the Management Board of Meritum Bank ICB S.A. He worked as the First Vice-President of the Management Board of Nest Bank S.A. from 2015 to 2019.
Grzegorz Grabowicz
Member of the Supervisory Board, Chairman of the Audit Committee
He graduated from the University of Łódź in 1998 at the Faculty of Management and Marketing, specialising in accounting. In 2010, he completed a programme organised by the Nottingham Trent University and WSB at the University of Poznań, gaining the EMBA (Executive Master of Business Administration) title. He is also a certified statutory auditor. Since January 2019, he has been a ember of the Management Board and Chief Financial Officer at Mabion S.A. He gained knowledge and experience in management while working in the Audit Department at Deloitte from 1998 to 2003, as the financial controller at BFF Polska S.A. (formerly Magellan S.A.) in 2003, as the CFO at BFF Polska S.A. and Vice-President of the Management Board at BFF Polska S.A. between 2004 and 2017. In the years 2010 to 2013, he was the President of the Management Board of MEDFinance S.A. He acted as a Member of the Supervisory Board of Magellan Czech Republic and Magellan Slovakia from 2007 to 2017. Between 2013 and 2017, he was the Chairman of the Supervisory Board of MEDFinance S.A. He acted as a Member of the Supervisory Board of Skarbiec Holding S.A. from 2014 to October 2018. Between October 2017 and August 2020, he was a Member of the Supervisory Board of Develia S.A. (formerly LC Corp S.A.) and from June 2018 to May 2019 – a Member of the Supervisory Board of Medicalgorithmics S.A. He has been acting as a Member of the Supervisory Board of XTB Dom Maklerski S.A. since November 2018.
He graduated from the University of Łódź in 1998 at the Faculty of Management and Marketing, specialising in accounting. In 2010, he completed a programme organised by the Nottingham Trent University and WSB at the University of Poznań, gaining the EMBA (Executive Master of Business Administration) title. He is also a certified statutory auditor. Since January 2019, he has been a ember of the Management Board and Chief Financial Officer at Mabion S.A. He gained knowledge and experience in management while working in the Audit Department at Deloitte from 1998 to 2003, as the financial controller at BFF Polska S.A. (formerly Magellan S.A.) in 2003, as the CFO at BFF Polska S.A. and Vice-President of the Management Board at BFF Polska S.A. between 2004 and 2017. In the years 2010 to 2013, he was the President of the Management Board of MEDFinance S.A. He acted as a Member of the Supervisory Board of Magellan Czech Republic and Magellan Slovakia from 2007 to 2017. Between 2013 and 2017, he was the Chairman of the Supervisory Board of MEDFinance S.A. He acted as a Member of the Supervisory Board of Skarbiec Holding S.A. from 2014 to October 2018. Between October 2017 and August 2020, he was a Member of the Supervisory Board of Develia S.A. (formerly LC Corp S.A.) and from June 2018 to May 2019 – a Member of the Supervisory Board of Medicalgorithmics S.A. He has been acting as a Member of the Supervisory Board of XTB Dom Maklerski S.A. since November 2018.
Agnieszka Kamola
Member of the Supervisory Board
She graduated from the Leon Kozminski Academy of Entrepreneurship and Management in Warsaw, majoring in Finance and Banking. She has over 21 years of sales experience, including over 20 years in the area of electronic payments in e-commerce. She was responsible for managing direct and indirect sales, while working in managerial positions for companies such as eCard, eService, PayU and Straal.
She graduated from the Leon Kozminski Academy of Entrepreneurship and Management in Warsaw, majoring in Finance and Banking. She has over 21 years of sales experience, including over 20 years in the area of electronic payments in e-commerce. She was responsible for managing direct and indirect sales, while working in managerial positions for companies such as eCard, eService, PayU and Straal.
Michał Kolmasiak
Member of the Supervisory Board
He graduated from the Wrocław University in Wrocław, Faculty of Law and Administration (2001). He started his career in 2001 by taking up employment in Dom Obrotu Wierzytelnościami Cash Flow S.A. and Sofor Inkaso s.c. as a collection specialist. He served as a Member of the Management Board at Pragma Inkaso sp. z o.o. from April 2002, then at Pragma Inkaso S.A., from January 2008 to January 2015 – as Vice-President of the Management Board of Pragma Inkaso S.A., and in February 2021, he became the head of the company as the President of the Management Board of the company. In the years 2008– 2017, he was a Member of the Management Board at Pragma collect sp. z o.o. (currently Pragma Faktor sp. z o.o.). Since 2006, he has been acting as the President of the Management Board of Guardian Investment sp. z o.o.
He graduated from the Wrocław University in Wrocław, Faculty of Law and Administration (2001). He started his career in 2001 by taking up employment in Dom Obrotu Wierzytelnościami Cash Flow S.A. and Sofor Inkaso s.c. as a collection specialist. He served as a Member of the Management Board at Pragma Inkaso sp. z o.o. from April 2002, then at Pragma Inkaso S.A., from January 2008 to January 2015 – as Vice-President of the Management Board of Pragma Inkaso S.A., and in February 2021, he became the head of the company as the President of the Management Board of the company. In the years 2008– 2017, he was a Member of the Management Board at Pragma collect sp. z o.o. (currently Pragma Faktor sp. z o.o.). Since 2006, he has been acting as the President of the Management Board of Guardian Investment sp. z o.o.
Jakub Kuberski
Member of the Supervisory Board, Member of the Audit Committee
He studied at the University of Warsaw in the fields of IT and econometrics, as well as law. He has 10 years of experience in private equity. Between 2010 and 2013, he worked as an Analyst and Associate at Kulczyk Investments. He has been associated with Enterprise Investors (EI) since October 2013. He started his career at EI as an Analyst, then he was promoted to Chief Investment Officer, and he assumed the position of Vice-President in July 2019. He was also a Member of Supervisory Boards of several companies from the Enterprise Investors portfolio from the area of modern technologies and financial services; and he is a Member of the Supervisory Board of Unilink S.A. with its registered office in Warsaw.
He studied at the University of Warsaw in the fields of IT and econometrics, as well as law. He has 10 years of experience in private equity. Between 2010 and 2013, he worked as an Analyst and Associate at Kulczyk Investments. He has been associated with Enterprise Investors (EI) since October 2013. He started his career at EI as an Analyst, then he was promoted to Chief Investment Officer, and he assumed the position of Vice-President in July 2019. He was also a Member of Supervisory Boards of several companies from the Enterprise Investors portfolio from the area of modern technologies and financial services; and he is a Member of the Supervisory Board of Unilink S.A. with its registered office in Warsaw.
Piotr Lach
Member of the Supervisory Board
He graduated from the Warsaw School of Economics, majoring in finance and accounting. In the years 2014–2017, he cooperated with PwC Polska sp. z o.o. as an Associate. He began his career at EI in 2017 as an Analyst and then took up the position of Chief Investment Officer from January 2021.
He graduated from the Warsaw School of Economics, majoring in finance and accounting. In the years 2014–2017, he cooperated with PwC Polska sp. z o.o. as an Associate. He began his career at EI in 2017 as an Analyst and then took up the position of Chief Investment Officer from January 2021.
PragmaGO.tech (Subsidiary of PragmaGO SA)
Management
Wojciech Bublik
President of the Management Board of PragmaGO.tech, Chief Technology Officer
He took his first professional steps with BPH S.A. In the years 2007–2012, he worked for Empathy – a software house, and then with the Unity Group for three years. He went through all career steps in IT – from programmer to director – to finally join PragmaGO in 2015. He has been acting as CEO of PragmaGO.tech for the first 6 years and since 2021, also as CTO at PragmaGO S.A. He manages over forty-person team of developers, UX/UI specialists and is responsible for the company’s technological strategy.
He took his first professional steps with BPH S.A. In the years 2007–2012, he worked for Empathy – a software house, and then with the Unity Group for three years. He went through all career steps in IT – from programmer to director – to finally join PragmaGO in 2015. He has been acting as CEO of PragmaGO.tech for the first 6 years and since 2021, also as CTO at PragmaGO S.A. He manages over forty-person team of developers, UX/UI specialists and is responsible for the company’s technological strategy.
Monevia sp. z o.o. (Subsidiary of PragmaGO SA)
Management
Maciej Drowanowski
President of the Management Board, Chief Executive Officer
He took his first professional steps with BPH S.A. In the years 2007–2012, he worked for Empathy – a software house, and then with the Unity Group for three years. He went through all career steps in IT – from programmer to director – to finally join PragmaGO in 2015. He has been acting as CEO of PragmaGO.tech for the first 6 years and since 2021, also as CTO at PragmaGO S.A. He manages over forty-person team of developers, UX/UI specialists and is responsible for the company’s technological strategy.
He took his first professional steps with BPH S.A. In the years 2007–2012, he worked for Empathy – a software house, and then with the Unity Group for three years. He went through all career steps in IT – from programmer to director – to finally join PragmaGO in 2015. He has been acting as CEO of PragmaGO.tech for the first 6 years and since 2021, also as CTO at PragmaGO S.A. He manages over forty-person team of developers, UX/UI specialists and is responsible for the company’s technological strategy.
Marta Sankiewicz
Member of the Management Board, Chief Operating Officer
She is a Senior Project Manager with 19 years of experience in the financial sector, including factoring, insurance and debt collection. She is a member of an international team in Poland’s largest insurance group responsible for creating an online platform for life insurance with an investment fund. She is a financial analyst and the author of the SME receivables management platform. Since 2015, she has been in charge of the team and operational processes in Monevia and she has been acting as a Member of the Management Board since 2023.
She is a Senior Project Manager with 19 years of experience in the financial sector, including factoring, insurance and debt collection. She is a member of an international team in Poland’s largest insurance group responsible for creating an online platform for life insurance with an investment fund. She is a financial analyst and the author of the SME receivables management platform. Since 2015, she has been in charge of the team and operational processes in Monevia and she has been acting as a Member of the Management Board since 2023.
Tomasz Krzysztof Gąsiorowski
Member of the Management Board, Commercial Director
He is a Sales and Business Development Manager with more than 20 years of experience in retail and corporate banking. He worked for Raiffeisen Bank for 14 years, served as Sales Director at Idea Money, a factoring company of the Idea Bank group, and as Direct Sales Director at BNP Paribas Factoring. He has been responsible for the development of the distribution network in Monevia since 2019 and has been acting as a Member of the Management Board since 2024.
He is a Sales and Business Development Manager with more than 20 years of experience in retail and corporate banking. He worked for Raiffeisen Bank for 14 years, served as Sales Director at Idea Money, a factoring company of the Idea Bank group, and as Direct Sales Director at BNP Paribas Factoring. He has been responsible for the development of the distribution network in Monevia since 2019 and has been acting as a Member of the Management Board since 2024.
Telecredit IFN (Omnicredit) (Subsidiary of PragmaGO SA)
Management
Elisa Rusu
President of the Management Board, Chief Executive Officer
She is a manager with over 15 years of experience in factoring, leasing and microfinance in the B2B sector. Prior to her appointment as CEO at Omnicredit, she was the head of Banca Transilvania Factoring, Romania’s second largest factor, and she managed Meridian Leasing and Compania de Factoring. She is an expert in business finance, who effectively combines strategic knowledge with operational practice.
She is a manager with over 15 years of experience in factoring, leasing and microfinance in the B2B sector. Prior to her appointment as CEO at Omnicredit, she was the head of Banca Transilvania Factoring, Romania’s second largest factor, and she managed Meridian Leasing and Compania de Factoring. She is an expert in business finance, who effectively combines strategic knowledge with operational practice.
Board of Directors (Board of Directors) Telecredit IFN (Omnicredit)
Vjačeslav Lypko
Chairman of the Board of Directors
An experienced specialist in the fields of M&A and business partnerships. He graduated from the Faculty of Social Sciences at the Charles University in Prague. From 2017 to 2023, he served as Chief Investment Officer and Country Director for the Czech Republic at Enterprise Investors, a private equity fund. He was responsible for investing activities on the Czech market, including the IPO of Novaturas and the acquisition of FinGO. He was also a Member of the Supervisory Board of FinGO, one of the leading financial intermediaries in the Czech Republic and Slovakia. Earlier, he worked at EY for seven years, where he carried out transaction consultancy and financial restructuring projects in the CEE region, including one year in EY’s London office. Currently, he acts as the PragmaGO expert responsible for the development of operations in international markets.
An experienced specialist in the fields of M&A and business partnerships. He graduated from the Faculty of Social Sciences at the Charles University in Prague. From 2017 to 2023, he served as Chief Investment Officer and Country Director for the Czech Republic at Enterprise Investors, a private equity fund. He was responsible for investing activities on the Czech market, including the IPO of Novaturas and the acquisition of FinGO. He was also a Member of the Supervisory Board of FinGO, one of the leading financial intermediaries in the Czech Republic and Slovakia. Earlier, he worked at EY for seven years, where he carried out transaction consultancy and financial restructuring projects in the CEE region, including one year in EY’s London office. Currently, he acts as the PragmaGO expert responsible for the development of operations in international markets.
Jacek Obrocki
Member of the Board of Directors
An economist with over 20 years of experience gained, inter alia, as a Director of the Investment Banking Department at the BDM Brokerage House. He specialises in investment banking, financial and stock exchange analytics. He obtained the title of Chartered Financial Analyst (CFA), completed numerous training courses in LBO, MBO, M&A, accounting (PSR, IAS, US GAAP), law on public trading in securities, commercial law. He is an expert on financial market analysis and macroeconomics at PragmaGO.
An economist with over 20 years of experience gained, inter alia, as a Director of the Investment Banking Department at the BDM Brokerage House. He specialises in investment banking, financial and stock exchange analytics. He obtained the title of Chartered Financial Analyst (CFA), completed numerous training courses in LBO, MBO, M&A, accounting (PSR, IAS, US GAAP), law on public trading in securities, commercial law. He is an expert on financial market analysis and macroeconomics at PragmaGO.
Bilea-Arora Mihaela
Member of the Board of Directors
A Transformative Life Coach with more than 15 years of experience in the corporate environment. She started her career as an accounting officer for IAS reporting and then acted as regional director for large corporate customers in Romania’s largest bank. She holds the MBA diploma from the City University of Seattle and ACCA qualifications, which provide a solid basis for understanding the functioning of business and making sound strategic decisions. She develops coaching programmes to support career-oriented people.
A Transformative Life Coach with more than 15 years of experience in the corporate environment. She started her career as an accounting officer for IAS reporting and then acted as regional director for large corporate customers in Romania’s largest bank. She holds the MBA diploma from the City University of Seattle and ACCA qualifications, which provide a solid basis for understanding the functioning of business and making sound strategic decisions. She develops coaching programmes to support career-oriented people.