Dawid Rutkowski — AI Product Builder
Building products where AI, finance, and execution meet.
Product designer, business analyst, rapid prototyper.
Turning complexity into systems people can actually use.
About Dawid Rutkowski
Dawid Rutkowski is a Polish AI product builder working across fintech, product design, business analysis, and rapid prototyping. He previously worked in banking research and UX at Partners Banka and, as part of a three-person team, won the Ministry of Foreign Affairs challenge at HackNation 2025. His work spans fintech research, AI prototypes, and operational software such as eJazdy and BLO Finance. Earlier, through Rutkowski Creative, he delivered more than 150 creative and digital projects for startups, NGOs, and brands. Today he builds at the intersection of AI, finance, and product — turning complex systems into products people can actually use.
Product-minded builder.
Finance-aware. AI-native.
150+ projects through Rutkowski Creative — startups, NGOs, brands. Early proof that every business is a communication, operational, and positioning problem at once.
At Partners Banka, the lens sharpened. Advanced product communication, UX flow design, and fintech research inside a regulated environment built intuition for how trust is constructed inside complex systems.
HackNation 2025 winner — MFA “Scenarios of Tomorrow” challenge, 3-person team, one of Poland’s biggest public hackathon environments. Proof that execution holds under pressure.
The work across scales.
Founder projects. Client work. AI experiments. Operational systems. Together they form a coherent picture: building at the intersection of commercial reality, product clarity, and future-facing technology.
BLO Finance
Co-founder
Cross-border banking accessibility and digital identity in the EU. Comparison engine spanning 96 banks and 360+ offers.
Partners Banka
Banking Research & UX Intern
Advanced banking product communication, UX flow design, and fintech research and analysis inside a regulated institutional environment.
Rutkowski Creative
Founder
150+ projects across branding, visual systems, photography, video, and marketing for startups, NGOs, and hospitality brands.
eJazdy
Product Builder
Workflow software that removes scheduling friction from driving schools — reducing student phone calls by up to 70%.
AI Prototypes
Builder
Working MVPs, automations, and rapid idea validation. Concept to prototype in hours, not months.
Econverse
Creative & Marketing
Startup ecosystem production, campaign coordination, media, and startup competition environments.
Proof of depth.
Competitive Proof · Pressure · Execution
Performing under pressure in public.
Won HackNation 2025 — one of Poland's biggest public hackathon environments — with a 3-person team. The challenge was set by the Ministry of Foreign Affairs under the "Scenarios of Tomorrow" track. The win proves I can compress the entire product equation into a tight frame: idea quality, speed of execution, adaptability, and making decisions with incomplete information.
“I can turn pressure into output.”
Institutional · Research · UX
How clarity creates trust in regulated products.
Direct exposure to banking operations. Advanced product communication to clients, UX flow design, and fintech and banking product research and analysis — translating institutional complexity into experiences people can actually understand and trust.
“In finance, better UX is not decoration. It is part of how trust is built.”
Fintech · Strategy · Product
Designing a fintech thesis, not just an interface.
Analysis of 96 banks and 360+ offers. Cross-border banking accessibility, European digital identity, and business model thinking from first principles.
“I don't approach fintech as a style. I approach it as a system.”
SaaS · Workflow · Automation
Reducing operational friction through product logic.
A scheduling system for driving schools. Students book independently, instructors manage availability, the system handles the rest. Up to 70% fewer phone calls.
“The best software quietly eliminates a hidden operational tax.”
AI · Speed · MVPs
Building before the market catches up.
Working prototypes — not mockups. Web apps, mobile concepts, automations, internal tools. Validated in hours, not months.
“I prototype at the speed of emerging opportunity.”
Strategy, AI, design, and business thinking — as one.
I am interested in the point where clarity becomes advantage. Where a better workflow changes unit economics. Where better communication changes trust. Where faster prototyping changes what a small team can build. Where finance, product, and AI stop competing for attention and start working as one system.
Business Analysis
Looking beyond screens — asking whether the product logic actually works.
UX Research
Reducing ambiguity by observing behavior and structure, not guessing.
AI-Native Workflow
Compressing time and iteration cycles without lowering quality.
Product Architecture
Turning rough concepts into credible systems and working MVPs.
Finance Awareness
Trust, regulation, incentives, and timing — all part of the design.
Speed Under Pressure
Founder stamina. Operating with intensity while protecting quality.
Some people bring design.
Some bring analysis.
Some bring code.
Some bring founder energy.
I work at the point
where these overlap.
Dawid Rutkowski
Product Builder
© 2026 Dawid Rutkowski