Karol Zielinski
Chief Executive OfficerAI is analyzing your overall score…
Identifying your key strengths…
Evaluating your skill match against the job requirements…
Assessing your cultural and operational fit
AI is analyzing your overall score…
Identifying your key strengths…
Evaluating your skill match against the job requirements…
Assessing your cultural and operational fit
Founder & CEO at z3x Tech Care Group | FinTech | Payments | Embedded Finance | Strategy, GTM & Operations
I work at the intersection of FinTech, payments, and business operations. I'm the CEO of z3x Tech Care Group, a technology holding company focused on building and scaling businesses in areas such as payments, embedded finance, BaaS, AI-driven systems, e-commerce, marketplaces, and EdTech. My work is less about features and more about consequences. Cash flow dynamics. Ownership models. Operational responsibility. Regulatory context. And the long-term cost of decisions that look reasonable at the moment they're made. Over the years, I've worked with founders, leadership teams, and boards on topics including scaling payments, embedded finance strategies, fintech partnerships, go-to-market decisions, and the operational reality behind growth narratives. I'm particularly interested in the gap between how businesses are designed on paper and how they actually operate once complexity, regulation, and scale appear. Here, I write about fintech, payments, embedded finance, strategy, operations - and the systems that quietly shape companies over time.
GFKM - Gdańska Fundacja Kształcenia Menedżerów
International Executive MBA, International Business
January 1, 2019 – January 1, 2021
Wyższa Szkoła Administracji i Biznesu im. E. Kwiatkowskiego w Gdyni
Postgraduate, Management
January 1, 2011 – January 1, 2012
Gdańsk University of Technology
Bachelor of Engineering, Computer science
January 1, 2005 – January 1, 2010
z3x Tech Care Group
Chief Executive Officer
January 1, 2023 – Present
Gdańsk, Pomorskie, Poland
mPay S.A.
Member of The Management Board, Head of FinTech products
October 1, 2022 – July 1, 2024
Warsaw, Mazowieckie, Poland
Fudo Security
Chief Operating Officer
September 1, 2021 – May 1, 2022
Warsaw, Mazowieckie, Poland
Deor
Chief Executive Officer
June 1, 2021 – Present
Gdańsk, Pomorskie, Poland
Fudo Security
Advisor To The Board
May 1, 2021 – September 1, 2021
Warsaw, Mazowieckie, Poland
Polskie ePłatności S.A.
CEO at PayLane, Head of Online Payments at Polskie ePłatności Group
March 1, 2018 – March 1, 2021
Gdańsk, Pomorskie, Poland
PayLane
Chief Executive Officer
March 1, 2012 – March 1, 2021
Gdansk Metropolitan Area
PayLane
Managing Director
February 1, 2011 – February 1, 2012
Gdansk Metropolitan Area
PayLane
Project Manager
August 1, 2010 – February 1, 2011
Gdansk Metropolitan Area
Implix
Project Manager
August 1, 2010 – January 1, 2011
Gratka Sp. z o.o.
Software Developer
January 1, 2009 – February 1, 2009
Justbemore
Founder, Chief Technology Officer, CEO
February 1, 2008 – December 1, 2010
Grupa Wirtualna Polska
Software Developer
June 1, 2005 – January 1, 2008
Opentechnology
Software developer, Team leader
March 1, 2005 – December 1, 2006
PRINCE2 Foundation Certificate
AXELOS Global Best Practice
June 23, 2026 – Present
Cultural Fit Analysis
The candidate's extensive experience in founding and leading companies, coupled with their focus on innovation and digital transformation, suggests a strong fit for dynamic, growth-oriented cultures. Their background in various executive roles across different companies (FinTech, e-commerce, security) indicates adaptability and a broad perspective. The MBA further enhances their strategic and international business acumen, aligning with a culture that values continuous learning and strategic leadership. However, the target role of 'Chief Executive Officer' is very broad, and without specific company context, a precise cultural fit is hard to determine beyond general executive leadership.
Soft Skills & Operational Fit
The candidate demonstrates strong leadership, strategic thinking, and business development skills. Their experience in transforming companies and launching new products indicates a proactive and results-oriented approach. The ability to manage diverse teams and navigate complex business environments suggests high operational fit for senior leadership roles. The PRINCE2 certification further supports structured project management capabilities.