Management Board

Janusz Władyczak
President and CEO
Janusz Władyczak has extensive experience gained in financial institutions, both in Poland and abroad.

Previously, he served as Director of the Investment Products Department at PKO TFI where he was responsible for setting out the product strategy for investment funds, creating and implementing investment and savings solutions offered to customers on the Polish market.

During his work at a financial institution in Austria he implemented structured investment products for private and retail banking customers, as well as derivatives in the form of certificates and warrants listed on the Warsaw Stock Exchange. At French investment banks he was responsible for the relations and for concluding transactions with the largest enterprises and financial institutions from the former Soviet states, such as Russia, Kazakhstan, Ukraine, Armenia, Azerbaijan, Lithuania, Latvia and Estonia.

He was also responsible for securing bilateral loans running into millions, structured and syndicated credits and export finance transactions, co-operating with the largest export credit agencies (ECAs) in the world. He also dealt with a wide spectrum of transactions in the capital market.

He graduated from ESCP European School of Management in Paris. He also studied at Vienna University, at the Graduate Institute of International and Development Studies forming part of Geneva University, as well as at the Asian Institute of Technology in Bangkok.

He likes to spend his free time actively. He particularly enjoys snowboarding, kayaking and tennis. His passion is travel.
Katarzyna Kowalska
Vice-President
An experienced leader in the finance, insurance, and digital transformation sectors, since 2016 Katarzyna Kowalska has been part of KUKE S.A., where she serves as Vice President of the Management Board. She is responsible for key areas including risk management, operational processes, IT, and organizational development.

She holds a strong academic background in economics (Poznań University of Economics) and has completed prestigious executive education programs at the University of Oxford and INSEAD — all with distinction. Additionally, she studied the international business environment at the London School of Economics.

She is active in the international arena — as Chair of the Short-Term Committee at Berne Union, she represented the credit insurance sector globally. Her leadership was also recognized in the esteemed Fortune–U.S. Department of State Global Women’s Mentoring Program.

Earlier in her career, she worked as a Business Developer at SIBS INTERNATIONAL, where she was responsible for business development in Central and Eastern Europe, leading digital payment projects for banks and financial institutions.

She specializes in building effective organizational development strategies in dynamic market conditions and implementing digital innovations.
Bartłomiej Opaliński
Vice-President
Bartłomiej Opaliński is a Doctor of Law and legal adviser. He gained his managerial experience, among others, as a Member of the Management Board at PZU Zdrowie and as Vice-President of the Management Board at PZU Centrum Operacji. He also served on supervisory boards, including as Deputy Chairman at Bank Gospodarstwa Krajowego and as Chairman at Elektrociepłownia Ciechanów Sp. z o.o.

Since 2011, he has been an academic lecturer employed as an Assistant Professor in the Department of Administrative Law and Constitutional Law at Łazarski University in Warsaw. He has also lectured at other universities, including the Koźminski University and the Helena Chodkowska University of Technology and Commerce. At Łazarski University, he served as Plenipotentiary of the Dean of the Faculty of Law and Administration for Legal Traineeships (2015–2022) and Director of the Institute of Law Enforcement Agencies (since 2018).

For years, he has combined his teaching work with practical experience in numerous public and private entities. In the years 2012–2015, he worked as a specialist in the Case-Law Office of the Supreme Administrative Court, and between 2017 and 2024, he served as a member of the Warsaw Real Estate Reprivatization Commission.

He is the author of training programs for local governments and professional associations, including advocates and legal advisors. He has lectured for notary trainees at the Chamber of Notaries in Warsaw. He has also participated as an examiner in professional examinations, including the bar exam for advocates and examinations for individuals applying for a restructuring advisor license.

He is the author of four independent monographs and over one hundred other scientific publications.

In his private life, he is passionate about an active lifestyle. He enjoys the gym, cycling, kitesurfing, and long mountain hikes. In his free time, he values traveling, discovering new places, and reading good books (not necessarily academic ones).
Organizational structure
President and CEO
CEO
Risk and Operations Division
CRO/COO
Client Service
Department
Claim Settlement
Department
Debt Collection
Department
Insurance Risk
Department
IT
Department
Change Management
Department
HR and Administration
Department
Risk Management
Department
Accounting
Department
Settlement
Department
Reinsurance
Department
Actuarial
Department
Corporate Division
CEO
Sales
Department
Business Development
Department
Guarantee
Department
Insurance and International Cooperation
Department
Legal
Department
Compliance and Legal Services
Department
Communication
Department
Marketing
Department
Internal Audit
Department
Controlling
Department
Liquidity Management
Department
Security
Department

News and insights

Over the past 30 years, thousands of Polish companies* have benefited from our solutions enabling safe growth of their business in Poland and worldwide.
*from small family businesses, through medium-sized companies to the largest international corporations