Michal Oravec
Payment Cards Professional
Warsaw
Summary
Results-driven Senior Project Manager/Payment Card Specialist with over 24 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
24
24
years of professional experience
3
3
Certificates
4
4
Languages
Work History
Head of Client Delivery and Implementation – Payment Cards
Fintech Company
11.2023 - 09.2025
- Led complex, multi-stream implementation
payment cards and BaaS projects for business
clients across Europe. - Analyzed business requirements from clients and
transformed to functional specification for
developers or 3rd party providers. - Led BIN projects with Mastercard and Card
Management System provider. - Managed cross-departmental teams:
Implementation Managers, Developers (BE, FE,
DB) and QAs to implement BaaS for clients. - Optimized the Implementation process, introduce
KPIs, and drive continuous improvement in
delivery execution. - Collaborated closely with senior management to
align project objectives with strategic company
initiatives.
Implementation Specialist
Mastercard Processing S.A.
02.2021 - 11.2023
- Led debit and prepaid card implementations.
Worked in agile teams to deliver issuer-specific
solutions. - Authored technical documentation and
coordinated UAT/handover to operations. - Conducted detailed requirements analysis for
each project, creating customized solutions
based on business needs.
Business Analyst – Card Migration Projects
Raiffeisen Processing Center, s.r.o.
02.2019 - 02.2021
- Acted as a main Business Analyst for payment
card portfolios migrations. - Delivered successful credit and debit card
portfolio migrations for two banks: Raiffeisen Bank
Serbia and Raiffeisen Bank Albania. - Created UMLs, user stories, acceptance criteria,
and managed change requests. - Supervised and cross-checked test results.
Product/Project Manager – Cards
Ferratum Bank p.l.c.
12.2016 - 01.2019
- Was responsible for Debit Cards in five European
countries - Delivered a Dual Message System - integration
between Card Management System and Core
Banking System. - Implemented of automatic reconciliation tool
(Settlement layer). - Participated on a White Label project (PM for
cards related stream / Subject Matter Expert). - Led projects with Mastercard and G&D Iberia.
Collaborated closely with senior management to
align project objectives with strategic company
initiatives
Business Analyst Senior
Raiffeisen Processing Center, s.r.o.
10.2013 - 08.2016
- Acted as a main Business Analyst for payment
card portfolios migrations. - Successfully migrated Credit/Debit Cards
portfolios of Raiffeisen Bank Bulgaria. - Successfully implemented Way4Web GUI for Raiffeisen Bank Bulgaria and Raiffeisen Bank
Kosovo. - Successfully implemented Merchant Portal for
Raiffeisen Bank Bulgaria and Raiffeisen Bank
Kosovo.
Credit Card Specialist & Dept. Manager
BNP Paribas Personal Finance
02.2008 - 09.2013
- Delivered major projects with Mastercard and
First Data: Chip cards implementation,
Contactless cards implementation, Euro
conversion, PIN via SMS. - Led and coordinated development teams to
deliver seamless product integrations, designed
and specified new product features and
attributes. - Developed and executed profitable business
strategy of Credit Card product. - Collaborated cross-functionally with internal
teams and external partners (e.g., Mastercard,
VISA, Idemia CZ, First Data). - Led a Personalization migration project (with
Idemia CZ)
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 - Law
Matej Bel University
Master's Degree - Pedagogy
Comenius University
Skills
End-to-End Project Delivery (Scope, Budget, Quality, Time)
Certification
Scrum Master – Mastercard Academy
Languages
English
Advanced (C1)
Polish
Advanced (C1)
French
Upper intermediate (B2)
Slovak
Bilingual or Proficient (C2)
Software
Atlassian JIRA/Confluence
Way4 CMS
MC Office
Timeline
Head of Client Delivery and Implementation – Payment Cards
Fintech Company
11.2023 - 09.2025
Scrum Master – Mastercard Academy
06-2023
Product Management End-to-End – Mastercard Academy
05-2023
Implementation Specialist
Mastercard Processing S.A.
02.2021 - 11.2023
Business Analyst – Card Migration Projects
Raiffeisen Processing Center, s.r.o.
02.2019 - 02.2021
Product/Project Manager – Cards
Ferratum Bank p.l.c.
12.2016 - 01.2019
PRINCE2 - AXELOS
02-2014
Business Analyst Senior
Raiffeisen Processing Center, s.r.o.
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 - Pedagogy
Comenius University
Similar Profiles
Abhilash VenugopalAbhilash Venugopal
Operations Manager at Fintech CompanyOperations Manager at Fintech Company
ARUN CHOLLETIARUN CHOLLETI
Mulesoft Architect at Fintech CompanyMulesoft Architect at Fintech Company
Ahmadu Gandhi NzubeAhmadu Gandhi Nzube
Recovery Specialist at Confidential Fintech CompanyRecovery Specialist at Confidential Fintech Company
Kateryna OpanasenkoKateryna Opanasenko
Operations Supervisor at Delta ExpressOperations Supervisor at Delta Express
Logan SchockmannLogan Schockmann
Sales Associate at WalmartSales Associate at Walmart