- Digital only bank with full range of banking services- Payroll disbursement platform enabling on-demand paychecks for working Americans- >0.5MM accounts openned

Cashwagon is a rapidly scaling fintech company, which operates a unique digital platform to provide access to a broad range of consumer financial products created for 80% of people in South-East Asia, who feel excluded and underserved by traditional financial services. To achieve this, Cashwagon leverages innovative Fintech to help the many instead of the few.The company developed the digital platform that is used on Cashwagon’s website and mobile application. It is fast, easy and hassle-free to use. Through the platform, a whole range of competitive consumer finance products are offered by Cashwagon’s partners who are duly licensed according to applicable laws. The product portfolio includes short-term loans, instalment loans, investment products and virtual credit cards coming soon. All products are carefully tailored to provide fair and transparent solutions to consumers underserved by traditional financial institutions.

- Creation of credit risk management function in online lending company, operating in South-East Asia;- Participated in the successful launch of the company`s lending business in Vietnam, Philippines, Indonesia, Malaysia, China;- Development of innovative pure online origination process which incorporates Big Data gathering and analysis (cell data, social media, customer online behavior and device data, anti-fraud services);- Building and leading of risk management team (both HQ and regional levels);- Successfully achieved all risk target and business plan KPIs in new launched business;- 2-3X reduction of credit loss level during the first year since go-live;- Building of risk infrastructure (credit application decision system, anti-fraud solution, risk reporting solution, collection system). - Foundation and leading of credit underwriting and collection functions in the company.

BINBANK, Risk Block - Head of subsidiary banks division:- supervision of risk integration processes within BINBANK group- subsidiary banks reporting and methodology- BINBANK credit card portfolio management BINBANK Credit cards (ex MoscomPrivatBank) - Head of risk management:- portfolio management- regulatory issues- collection strategy

Starting from 08'2012 - Leading Retail risk team (Credit policy, Risk technology, Analytical and Reporting units)Responsibilities and achievements: Head of team of 20 people, 4 functional units – Credit Policy (portfolio management), Risk Technology, Reporting, Analytics. Risk committees participation Introduction of fraud monitoring within retail credit processBefore 08'2012 - head of Retail credit policy.Responsibilities and achievements: Implementation of centralized retail credit process Participation in Credit Conveyer implementation within NOMOS Bank Group as a business owner of the credit process Development of retail credit documentations and polices Participation (from Retail Risk side) in the launch of new credit products (cash loans, credit cards, mortgages) Implementation of IAS-compliant provisioning and write-off processes with appropriate methodology Development of Retail Risk MIS pack (as a MIS group supervisor) Participation in NOMOS Bank Group members integration (implementations of standardized credit processes, products, MIS; launch of Credit Conveyer and Collection system in all subsidiaries) Participation in Bank business plan creation (delivery of Retail Risk inputs), owner or Retail Risk Department budget

Head of risk technology team at Retail Risk Managment. Led NBSM, Hunter, Probe SM and Debt Manger projects. Implementation (as a business project manager) of new retail credit process based on New Business Strategy Manager solution from Experian Implementation (as a business project manager) of Hunter anti-fraud system Leading of the NBSM and Hunter analytics team Leading (as a project manager) of Retail Risk MIS projects Owner of Retail Risk budget – planning, projects and initiatives assessment Establishing of relations with Credit Bureaus (agreements, software implemenation) RAS provisioning process implementation – methodology and software changes As a Retail Risk collection supervisor – development and approval of Soft and Hard Collection policies Creation and supervision of Soft Collection staff planning process and incentive scheme Leading of Soft Collection operational improvements projects Owner of Debt Manager collection system changes from Retail Risk side Supervision of behavior scorecards creation and implementation Probe SM account management system implementation project governance