Dec 2023 – Present · 2 yrs 4 mos · London, England, United Kingdom

• Helping fast growing tech startups ($1m+ annual recurring revenue, 100%+ annual growth) attract investments from wider range of individual investors with affordable participation (from $5000). Make venture investing simple and accessible for all participants. Empower individual qualified angel investors to choose on their own where to invest and build diversified venture portfolio

Sep 2023 – Present · 2 yrs 7 mos · London Area, United Kingdom · On-site

• Enabling banks to unlock growth via digital transformation and fintech ecosystem development. We help build loveable products, acquire new customers and empower happy teams

Jul 2023 – Present · 2 yrs 9 mos · Uzbekistan · Hybrid

• Contributing to the digital transformation of a leading universal bank

Oct 2021 – Sep 2023 · 1 yr 11 mos · London, England, United Kingdom

• Developed and integrated white-label embedded lending solutions in neobanks and marketplaces to access online consumer credit for 20,000,000 UK for volatile income customers without a credit history (using 3d party transactional data and digital footprints). Partnership development with retailers.
• Best Lending Initiative 2022. Pay360 Awards UK.
• Trustpilot 4.6

Jul 2018 – Jul 2021 · 3 yrs · Kazakhstan

• Transformed a struggling Retail Banking business from loss of $8.9m in 2018 to a net profit of $24m in 2021 and revitalized its stagnant 1,500-member team to the winning one
• Top 1 Bank in consumer lending growth in 2020 (market +13.1%, Bank +34.3%) and in 2021 (market +2.8%, Bank +13.9%)
• Increase of consumer lending portfolio from $163 m to $635 m with simultaneous decrease for Cost of Risk from 11.6% to 4.2% and increase of active customer base from 373k to 662k
• POS-loans: launch of fully digital e-POS via QR and mobile app for 26 000 merchant outlets, approval rate increased by +22%
• Cash loans: telemarketing and DSA sales efficiency increased by +500%, approval rate by +25%, fully online (end-to-end) cash credit launched with biometry and qualified e-signature
• Increase of digital active (in mobile app) customers from 58k to 530k
• Development from scratch to leading position in transactional digital business (e-commerce acquiring, e-money issuing, immediate any2any-transfers (#2 in Kazakhstan by volume, #1 by quality, speed of development and service range)
• #1 Open API BAAS-platform for payment solution providers (PSP) in Kazakhstan («settlement bank»-service, online government services (taxes, penalties, fees etc.), e-money, immediate any2any-transfers);

Mar 2015 – Jul 2018 · 3 yrs 4 mos · Ukraine

• Changing the world by digitalization. Developing and implementing digital banking & mobile wallet solutions for financial institutions and retailers (marketplaces, foodretail, gas stations, logistics, mobile operators etc).
• The launch of the fintech business from inception to profitability in 2 years. Own digital banking and e-money processing solutions implemented in Alfabank Ukraine, Kredobank PKO Bank Polski, Industrial Bank, AMIC Ukraine
• 1st phase (part of Fido ecosystem): launching and developing transactional business as the main channel for customer acquisition in the Fido ecosystem.
• 2nd stage (complete independence): developing and integrating digital solutions for retail clients and small & medium enterprises (int/mobile banking and e-money wallets for retailers).

Jul 2012 – Mar 2015 · 2 yrs 8 mos · Ukraine

• Leadership of Retail/SME and Transactional Business;
• Innovative value propositions developed and implemented (first mobile prepaid card in Ukraine («Shtuka»), first mobile wallet, including current, deposit accounts, e-money and NFC-tokenised card, mobile payments with the biggest national telecom operator „Kyivstar“, proactive acquiring etc);
• Efficient omnichannel distribution built, including traditional network (100 branches), online marketplace (FidoMarket), mobile wallet (FidoWallet) and 3-party channels (4500 point of sales of telecom operators, supermarkets, grocery stores and gasoline stations).

May 2011 – Jul 2012 · 1 yr 2 mos · Paris Area, France

• Small business projects developing and best practice sharing in France, Belgium, Italy, Turkey, Poland, Ukraine, Marocco and USA;
• Successfully implemented projects: “Dual Relationship: servicing private and business needs of entrepreneurs” и “Proximity vs. Expertise: building efficient service model for small and medium business ”.

Jul 2009 – May 2011 · 1 yr 10 mos · Ukraine

• Managing own distribution (700 branches, >2500 employees);
• Managing partnership distribution (cardealers, realtors etc);
• Managing Retail and SME product development
• Leading positions in Retail Business in Ukraine (market share) – #1 in loans, #4 in savings.

May 2005 – Jun 2009 · 4 yrs 1 mo · Ukraine

• - Best Head of Business, 2006-2009

Jun 2001 – Apr 2005 · 3 yrs 10 mos · Ukraine

Jan 2000 – Jan 2001 · 1 yr · Kiev Region, Ukraine