Michal Oravec
Payment Cards Professional
Warsaw
Summary
Results-driven Senior Project Manager/Payment Card Specialist with over 23 years of end-to-end experience in delivering large-scale, cross-functional payment card projects across Europe. Proven ability to manage complex credit, debit, and prepaid card initiatives, ensuring timely delivery, budget compliance, and client satisfaction. Skilled in stakeholder communication, risk mitigation, cross-functional leadership, and project financials. Bringing deep expertise from roles including Head of Implementation, Product Manager, Business Analyst, and Implementation Specialist—working within regulated environments and across global teams. Holds certifications in PRINCE2 and Agile methodologies. Fluent in English and Polish.
Overview
22
22
years of professional experience
8
8
Certifications
4
4
Languages
Work History
Head of Client Delivery and Implementation – Payment Cards
DiPocket LTD
11.2023 - Current
- Lead complex, multi-stream implementation projects for business clients across Europe.
- Manage cross-departmental teams: PMs, analysts, IT, compliance, and client support.
- Deliver end-to-end payment card solutions, ensuring adherence to project scope, time, and budget.
- Act as primary escalation point for clients; provide regular updates to senior stakeholders.
- Optimize processes, introduce KPIs, and drive continuous improvement in delivery execution.
- Align internal product teams and third-party vendors for successful delivery.
Implementation Specialist
Mastercard Processing S.A.
02.2021 - 11.2023
- Led debit and prepaid card implementations using ISO8583 and API integrations.
- Worked in agile teams to deliver issuer-specific solutions.
- Authored technical documentation and coordinated UAT/handover to operations.
- Oversaw lifecycle of payment processing projects from analysis to deployment.
Business Analyst – Card Migration Projects
Raiffeisen Group, RCCC
02.2019 - 02.2021
- Analyzed functional and non-functional requirements for major migration initiatives.
- Delivered successful credit and debit card portfolio migrations across Albania and Serbia.
- Created UMLs, user stories, acceptance criteria, and managed change requests.
Product/Project Manager – Cards
Ferratum Bank p.l.c.
12.2016 - 01.2019
- Led strategic initiatives including CMS migrations, white-label solutions, and system integrations.
- Managed product roadmap, vendor coordination (Finastra, Carta Worldwide), and compliance with Mastercard.
- Oversaw reconciliation automation and dual message processing implementation.
Business Analyst Senior
Raiffeisen Group, RCCC
10.2013 - 08.2016
- Delivered technical and business specifications for card portfolio migrations.
- Spearheaded business requirements and testing for Way4 CMS and Merchant Portal.
Credit Card Specialist & Dept. Manager
BNP Paribas Personal Finance
02.2008 - 09.2013
- Managed a team and drove product strategy, regulatory compliance, and third-party coordination.
- Delivered major projects: Chip migration, Contactless, Euro conversion, PIN via SMS.
- Integrated insurance and risk controls into card products.
Product Manager – Acquiring
Postova Banka
02.2007 - 01.2008
- Led development of SME EFT POS acquiring services.
- Ensured regulatory and scheme compliance.
Credit Card Administrator
ISTROBANKA
09.2003 - 01.2007
- Supported credit card operations and co-branded card project implementations.
Education
Master’s Degree - Management
Comenius University
Master’s Degree - Law
Matej Bel University
Master's Degree - Pedagogy
Comenius University
Skills
- End-to-End Project Delivery (Scope, Budget, Quality, Time)
- Cross-Functional Team Leadership & Mentorship
- Agile & PRINCE2 Project Management
- Stakeholder & Vendor Engagement
- Business Analysis & Technical Integration
- Risk Management & Escalation
- Multi-country Card Portfolio Migration
Certification
- PRINCE2 – AXELOS
Timeline
Head of Client Delivery and Implementation – Payment Cards
DiPocket LTD
11.2023 - Current
Implementation Specialist
Mastercard Processing S.A.
02.2021 - 11.2023
Business Analyst – Card Migration Projects
Raiffeisen Group, RCCC
02.2019 - 02.2021
Product/Project Manager – Cards
Ferratum Bank p.l.c.
12.2016 - 01.2019
Business Analyst Senior
Raiffeisen Group, RCCC
10.2013 - 08.2016
Credit Card Specialist & Dept. Manager
BNP Paribas Personal Finance
02.2008 - 09.2013
Product Manager – Acquiring
Postova Banka
02.2007 - 01.2008
Credit Card Administrator
ISTROBANKA
09.2003 - 01.2007
Master’s Degree - Law
Matej Bel University
Master’s Degree - Management
Comenius University
Master's Degree - Pedagogy
Comenius University
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