MAŁGORZATA PIOTROWSKA

Met and exceeded company’s sales targets
- Undertook actions in line with company’s marketing strategies
- Recruited, trained and developed new agents
- Received Poland’s 1995 Best Unit Manager Award

Met and exceeded company’s sales targets
- Undertook actions in line with company’s marketing strategies
- Recruited, trained and developed new agents
- Received Poland’s 1995 Best Unit Manager Award

I created the strongest sales team in Latvia. BALTA is No.1 insurance company in Latvia.

Permanent sales growth for 8 years, increasing market shares.

· 2016-2022: Retail portfolio growth of 89%.

· 2018 – the best sales results in Baltic Country in PZU Group.

· 2022: Growth of written premium by 122%, new sales by 128%, health insurance new sales by 186%. Increase of health insurance by 186% of the new sales in 2022.

The best engagement results in PZU Group – 100 points in Retail.

I have created a mentoring program for manager for all Balta departments working successfully for 4 years.

I develop motivation system for sales, which is very effective and helps to us over achieve results.

Responsible for all sales channels, 2019-2022 also responsible for operation and underwriting department.

• Maintained smooth-running business operations in supervised areas by delegating priorities to staff abilities.
• Streamlined processes to improve and optimise sales and customer service processes.
• Implemented digitalization of the sales process, including integration of the compliance platform that incorporates all the necessary Know-Your-Customer (KYC) and Anti-Money Laundering (AML) tools and allowed to sell life insurance products without a physical presence.
• Worked with board of directors to establish objectives and decisively lead operations.

• Achieved 3rd place in sales of traditional life insurance and 2nd place in group insurance on the Lithuanian market.
• Assured 8% of life insurance market share in Latvia.
• Together with other sales managers achieved growth of Annual New Premium (ANP) in the Baltic countries in the following lines of business: agency by 28%, employee benefits (EB) by 34%, accident and health (A&H) by 14% through the creation of recruitment-motivational systems and by managing sales managers.
• I achieved the growth of PFOI (Premium Fees Other Income in the Baltic countries in the following lines of business: agency by 29%, EB by 80% and A&H by 36% as a result of a long-term work with sales structure and implementation of customer service standards.
• I reached the growth of ATOI (After-Tax Operating Income) by 86% through analysis and cost reduction, as well as sales results growth.
• I restructured operations and achieved reduction of OPEX (Operating all expenses) by 21% and sales results growth (in Lithuania: 2012 vs. 2011 ANP growth by 77%; in Latvia: 2012 vs. 2011 ANP growth by 53%).
• I managed sales department and led to creation of managers’ sales performance standardization program.

• By supervising sales managers, I implemented restructuring of the group insurance department (administration, claims payment).
• I introduced the EB sales model based on several distribution channels, which resulted in the growth of sales results (2009 vs. 2008 premium growth by 117%; 2010 vs. 2009 premium growth by 54%).
• I introduced and enacted a new up-sell system to the direct sales network through the sale of additional
  contracts to already existing customers (up-sells increased by 80%).
• I managed a sales support department and initiated the commencement of standardization program.
  I supported the introduction of NPS (Net Promoter Score - customer satisfaction survey program) in the organization, and especially in the sales channels.
• Responsible for:
  - Development of Agency Channel (6 regional directors, 52
  branch directors, 250 unit managers, 2,000 agents),
  Brokers Chanel, Network, and corporate sale (1 division
  director, 5 managers)
  - Support and development division (1 division director, 7
  managers), trainings and managers’ development
  - Development of Credit Sales Network (1 division director,
  2 managers)
  - Cooperation with ING TFI and its sales development
  - Creating sales strategy of life insurance products
  - Creation and coordination Phoenix Project implementation

• I developed and implemented a program on building and developing sales structure in Baltic countries and during the implementation of this program developed 2 sales directors in Latvia and Lithuania (4 agency managers and 400 agents).
• I formed a training department which was aimed at the development of sales channels and employees.

Met or exceeded company sales targets
- Created sales structure in line with company’s strategy
- Responsible for development of Unit and Agency Managers in
Poland
- Created and built additional distribution structure (new sales
process, recruitment, motivational system, sales strategy, sales
materials)
- Managed team of 60 employees
- Responsible for development of executive managers for
independent positions in new structures
- Created and implemented sales motivational systems (‘The Gold
100’)

Managed 15 Unit Managers ( 300 employees)
- Successfully developed UM into Agency Directors (15 UM
developed into 12 Agency Directors)
- Generated turnover of PLN 8 m (40% of the total in Poland)
- Won several national and international awards and titles every
year: Best Regional Agency, Number 2 Best World VIP Agency,
first place in international MRG competition)

Met and exceeded company’s sales targets
- Undertook actions in line with company’s marketing strategies
- Recruited, trained and developed new agents
- Received Poland’s 1995 Best Unit Manager Award

Managed a 50-worker production unit (recruitment, benefits)
- Managed company’s sales strategy (contracts, sales offers)
- Supervised company’s ledger
- Co-created company’s products