Experience

mBank CZ

• Czechia
• Banking
• 100 - 200 Employee

• Head of Digital channels & Sales

  • Mar 2021 - Present

  Digital channels adoption, engagement and usage growth Development of Mobile app and other digital channels capabilities Responsible for Sales through digital channels Digital channels adoption, engagement and usage growth Development of Mobile app and other digital channels capabilities Responsible for Sales through digital channels



Michal Pokluda

• Business Consultancy & Projetcs

  • Sep 2020 - Present



Wuestenrot Financial Group in CZ

• Czechia
• Financial Services
• 1 - 100 Employee

• Head of Marketing & Product development

  • Jul 2018 - Aug 2020

  Mission of the position Revitalization and restart of the fading Wüstenrot business, which “cost cut” itself into a long stagnation. The goal was to revive the company, transform and kick it into growth trajectory again with goals to double the sales market shares and increase the company's overall profit. Within this transformation, I was responsible for the areas of Product Design & Development, Marketing Communication and Brand Management. Areas of principal responsibilities • Brand management, ATL, BTL & Direct campaigning, Events, SoMe & PR communication • Customer Value Proposition, Product design & development for both Lending & Deposit products • Digitalization of sales processes for Mortgage and Building saving loans • Pricing & profitability management with responsible for top line execution and financial results • Portfolio campaigning and value management using SAS campaign management tool • Leading team of 17 specialist organized in 3 teams Show less



mBank CZ

• Czechia
• Banking
• 100 - 200 Employee

• Head of Business lines & Segments

  • Sep 2014 - Jun 2018

  Mission of the positionFrom 2014, I was responsible for business growth in all business lines (product areas), and act as the main architect of the product portfolio and innovations. The main goal was to ensure the growth in number of clients, start and boost the credit business of unsecured loans and build the capability of digital sales and marketing (digitally enabled processes).Areas of principal responsibilities• Direct responsibility of overall business growth in all business lines (Consumer & Mortgage loans, Deposits, Insurance, Investments, Customer, Clients onboarding and Satisfaction) and for revenue generation and profitability in both markets Czech Republic and Slovakia• Design and development of the area of Customer value proposition and segment management• Initiation and coordination of business innovation projects and business development activities• Business development in online and mobile banking• Responsible for top line execution and financial results of assigned business lines and segments• Leading team of 20 CVP and segment specialists organized in 5 teams Show less

• Head of Marketing & Business Development

  • Aug 2013 - Sep 2014

  Mission of the positionRestart of digital mBank, which began to stagnate after the initial years of rapid growth. In 2013/14, I led the mBank strategic project, which aimed to start the renewed growth of modern and digital mBank on the markets in CZ and SK. The project included complete marketing and business rebranding in both markets and the deployment, launch and the adoption of a new revolutionary "graphic" internet banking. Later on, in mBank, we started to focus mainly on building “mobile” enabled products and processes and its mobile app.Areas of principal responsibilities• Act as Project manager of strategic group project – Rebranding & Relaunch of mBank in CZSK markets• Brand marketing & ATL/BTL, online campaign management, PR & Social Media Communication• Full managerial responsibility for marketing budget and cooperation with marketing agencies• Leading team of 10 direct reports in two countries Show less



CSOB

• Czechia
• Banking
• 700 & Above Employee

• Director, Product Management & Innovation

  • Apr 2012 - Apr 2013

  Position objectives• Development of competitive product portfolio based on up-to-date market information, client base development, internal data and new technology trends• Build up the Innovation team and develop payment product innovation strategies including view on payment’s landscape development for the next decade• Responsible for the Key Account Management with internal and external business clients and the business partnershipAreas of principal responsibilities• Product Management – Design and deliver competitive product portfolio to assist the business in achieving the goals, responsible for the portfolio containing accounts & bundles, saving products, domestic and foreign payments, cash related products and checks• Business growth and Innovation – identify and develop new business opportunities, product or service innovations in area of payments and drive its implementation• Business data & Reporting – support the product management and innovation unit with timely and relevant data and information, Payments datamart development and maintenance Show less

• Director, Cash & Account's Product Management and Operations

  • Nov 2006 - Mar 2012

  Position objectivesImplementation of the product factory concept in local organizational structures and its full integration with KBC Group Payments. This meant transformation of the “administration units” into full fledge product factory with its active working roles of product management, process design & performance, application management and the business architecture.Areas and departments of principal responsibilities• Cash and Account Products (responsible for the portfolio containing current accounts, saving and term deposit products, cash related branch products, secured envelopes, cash in ATMs and night vaults)• Process and Performance Management• Cash Operations – responsibility of managing Main Vault, Cash deliveries, ATM fulfillment and Cash volumes management• Managing operations of distraint of debtors• People management – through 5 direct reports managing the team of more than 120 employees Show less

• Manager, Planning and Control Dept.

  • Jun 2004 - Oct 2006

  Position objectives• Preparing, reviewing, planning and analyzing the financials with the goal of providing timely and relevant information and analysis to assist the business in achieving the goalsPrincipal responsibilities• Planning – end to end responsibility for driving the Annual and Strategic plan (incl. resp. of initial set up and communication of planning calendar, organizing and driving the plan meetings and reviews with business managers, plan consolidations and preparation of the final plan and the presentations to BOD, Supervisory Board)• Reporting – responsibility of delivering the financial performance results to the management including the business commentary and analysis of the development in respect with plan, previous year and market peer results• Profitability calculation & analysis – providing the segments with the profitability calculation of individual products, customer segments and service channels• People management of 12 direct reports Show less



Citi

• United States
• Financial Services
• 700 & Above Employee

• Liabilities Product Manager

  • Aug 2002 - Jun 2004

  Position objectives• Developing and managing liability products for consumer bank focusing on sales growth (deposit volumes & customers), customer satisfaction and P&L (Product profitability)Principal responsibilities• Product analysis and development, responsible for product programs, procedures and its processing, product strategy planning and sales support, product analysis by customer segment, monitoring, evaluating and implementing product changes and enhancements to achieve goals• Managing all ATL and BTL marketing product support as well as POS materials• Sales support and management of sales team motivation and training• Product pricing, responsible for product profitability and expenses• Building brand and brand awareness for newly established consumer business in Czech Show less

• Manager, Business Planning & Analysis

  • Jul 2000 - Jul 2002

  Principal responsibilities• Initial se-up of department, region and local reporting and planning responsibilities• Driving annual and mid-year budgeting/forecasting process requiring co-operation with all departments, synthesizing data and suggesting scenarios for evaluation• Developing and modeling scenarios for purposes of product and business decision making actions• Estimating and analyzing monthly and point in time flash and final results and preparing uploads to databases (Essbase, GCMD, EMMP)• Developing proposed action plans as a result of actual/estimated financial results to assist the business in achieving financial goals Show less



eBanka, a.s.

• Banking
• 1 - 100 Employee

• Financial Control Analyst

  • Aug 1999 - Jul 2000

• Personal Banker

  • Jul 1998 - Aug 1999

  Day-to-day banking services with focus on proactive new client acquision



Franklin National Bank, Minneapolis, USA

• Teller

  • Mar 1997 - Sep 1997

  International working experience and language studies abroad (1 year) International working experience and language studies abroad (1 year)