Open to opportunities

Matthew Kowalak

@matthewkowalak

Message

Commercial finance and receivables-risk leader driving quota-beating sales and AI-enabled lender strategies.

United States

Message

What I'm looking for

I’m looking to drive consultative, relationship-driven growth in lending/commercial finance, focused on receivables risk and working-capital protection. I want a team that values disciplined pipeline execution and uses AI with governance—so workflows modernize and buyers move faster.

I’m a commercial finance and receivables-risk professional who has delivered two consecutive years above quota, including a $1.5B coverage program. I’m known for working the intersection of credit risk and client liquidity—translating receivables risk into lender-relevant conversations about working-capital flexibility and borrowing-base considerations.

In my roles, I’ve built referral channels across banks, ABL lenders, brokers, and CFOs, ran full-cycle, relationship-driven sales, and supported implementation by aligning policy workflow, exposure monitoring, and user adoption to real operating needs. Now, as I complete Kellogg Executive Education’s Advanced Certificate in Sales and AI Business Strategies, I’m focused on applying AI readiness, governance, use-case evaluation, and workflow modernization to lending and commercial finance.

Experience

Work history, roles, and key accomplishments

Associate Director of Risk

FGIWorldwide

Oct 2025 - May 2026 (7 months)

Sold TRUST risk solutions into regulated financial-services buyers, opening compliance-sensitive trade credit conversations across banks, ABL lenders, and brokers. Implemented an AI appointment-setting platform that replaced ~$180K in headcount costs with ~$20K in AI spend and generated high-value appointments within 30 days of go-live.

Working Capital Protection Appointment Setting Stakeholder Management Salesforce

Risk Consultant

Allianz Trade (Euler Hermes)

Jan 2023 - Oct 2025 (2 years 9 months)

Exceeded quota with 137% attainment in 2024 and 260% in 2025 through referral-channel development, outbound prospecting, and full-cycle sales execution. Closed a five-year program covering ~$1.5B in exposure and $300K annual premium, and built ROI/exposure models to translate receivables risk into lender credit and liquidity conversations for CFOs.

Working Capital Protection Outbound Prospecting Full cycle Sales Exposure And ROI Modeling Trade Credit Program Selling

Business Development Director

Kaikou CBD International

Jan 2020 - Jan 2023 (3 years)

Launched a Japan B2B ecommerce revenue channel from zero to $1.2M by building the sales process, partner onboarding, CRM discipline, and operating rhythm. Designed CRM/KPI tracking and led a remote cross-functional team of 10 across multiple time zones to support scalable merchant acquisition.

B2B E Commerce Partner Onboarding Merchant Acquisition CRM Operations KPI Tracking Sales Processes Cross functional Leadership Remote Team Management

Cross-Border Ecommerce BD Director

Tencent

Jan 2016 - Jan 2020 (4 years)

Led cross-border ecommerce business development at Tencent, driving merchant acquisition, partner development, and market expansion across Asian commercial markets. Managed growth initiatives within one of Asia’s largest technology platforms, focusing on scalable partnerships and regional expansion.

Cross Border eCommerce Business Development Merchant Acquisition Partner Development Market Expansion B2B Sales Strategic Partnerships Stakeholder Management