Aleksandr Borodin Email and Phone Number

Basic information:Development of strategy, operational and financial models for the retail business lineOwnership, implementation, and development of retail productsProject automation management and control: leasing pipeline, leasing payment calculator, website, client's personal account, agent's personal account, risk assessment system, corporate data warehouseManaging and controlling work with the agency networkManaging and controlling work with partners, automakers and distributorsProgress:Steps and measures have been fully implemented to achieve the set goals, while maintaining the balance of strategic, operational and financial goals.New business volume targets are met by 115%; net operating income increased by 110% in the reporting year Introduced products with non-interest income (insurance, telematics, complementary products, etc.)A project was implemented to implement a sales system without using front-office resources: by implementing an agency network in part of internal processes. According to the results of the first half of the year, this project brought more than 20% of new business, reducing personnel costs by more than 30%Joint programs with partners, automakers and distributors have been launched: increase in sales, add-ons, etc.income, favorable conditions (discounts)Effective team management: Product and Process Development Department, Product and Process Automation Department, Automaker and Distributor Relations Department, Digital Channel Automation Department, Agent Development and Support Department

• Implemented of independent risk assessment (building the underwriting process from scratch)• Established of a risk committee• Successful implemented of projects for the creation and implementation of Risk reporting systems ( Acquisition model, Sales Context, Vintage Analysis, Roll Rate,Recovery Rate, etc.) more than 30 different reports• Implemented and developed of portfolio analysis in the company • Developed and validated of models (Behavior model PD, Application model PD, LGD) AMPD Gini = 58• Implemented of a reserve calculation system in accordance with IAS 9 standards• Implemented of a system for calculating and controlling overdue debt

▪ Developed of identification and data collection documents▪ Developed self-assessment and stress testing documents▪ Created key risk indicators▪ Organized of maintaining a database of operational risk incidents▪ Developed of risk event types reference books▪ Developed process and wrote methodology of fraud monitoring▪ Developed of algorithms and models antifraud▪ Developed process and wrote methodology of Financial monitoring of clients ▪ Implemented of a reserve calculation system in accordance with IAS 9 standards