Michal Panowicz
Michal Panowicz joined Kreditech as CPIO in September 2016. His responsibilities include managing the Product and Technology department. Panowicz is known as “a digital frontrunner in banking,” bringing nearly twenty years of proven track-record in financial services and technology. A major success in Panowicz’s career was a complete digital transformation of the 3rd largest bank in Poland – mBank – and growing it to one of the most recognized brands in financial innovation worldwide.

Directly prior to joining Kreditech, Panowicz was SVP & Deputy Head of Digital Banking at Nordea, where he staged the roadmap and execution platform for new digital channels of the Group. His earlier experiences include leadership positions at Microsoft, eBay, The Boston Consulting Group, and serving as Independent Director on supervisory board of the Polish startup bank Alior Bank. Michal holds an MBA from Harvard Business School and an MA in Finance and Banking from SGH Warsaw School of Economics.