Krzysztof Bratos has over 18 years of experience in banking, gained at international financial institutions. Since July 2024 he has been acting as Vice-President of the Management Board, Head of Retail Banking.

He has been working at mBank Group since 2015, where, together with his teams, he developed leading private banking services, the largest brokerage bureau in terms of the number of retail clients on the Polish market, and one of the fastest-growing retail investment distribution platforms in Poland. In 2021-2024, he served as managing director responsible for Private Banking, Wealth Management, and the Brokerage Bureau.

Before joining mBank, he had been gaining experience implementing complex projects at leading banks and investment institutions in London and New York (JP Morgan, Royal Bank of Scotland, Kleinwort Benson) for nearly a decade. His portfolio includes many international strategic programmes, digital transformation projects, as well as complex mergers and acquisitions.

He holds a Master’s degree in Economy from the Poznań University of Economics and Business. He is also a Harvard Business School alumnus.