Oleksandr Tsybko Email & Phone Number

Cairo, Cairo Governorate, Eg

Zurich, Switzerland

As the Head of Consultant's Permanent Establishment in the Republic of Uzbekistan and Fund Management Expert for the KfW Financial Sector Program - MSME Financing:• Administer the Disposition Fund dedicated to MSME financing programs;• Develop and refine the contractual framework, methodological materials, procedures, and instructions;• Prepare replenishment requests and expenditure statements for KfW to facilitate financial flows;• Coordinate with Ministries, PFIs, KfW, and other stakeholders to align on fund-related strategies and policies;• Ensure stringent compliance with KfW's disposition fund procedures, local regulatory frameworks, and ESG standards;• Review and draft Environmental and Social Management System (ESMS) guidelines for PFIs and Project Executing Agency, ensuring adherence to IFC Performance Standards and World Bank Group EHS Guidelines;• Provide specialized expertise on fund management best practices to the Project Executing Agency, enhancing program impact and efficiency.

Zurich, Switzerland

• Prepare in-depth AML and integrity reports for each target financial institution, drawing on completed AML/CFT questionnaires, KYC forms, and other information received during the due diligence process• Conduct data collection and research on financial institutions and banking sectors in developing countries, with a focus on Asia• Identify potential risks for specific financial institutions and sectors• Assess ownership, corporate governance, AML/CFT and KYC policies, and management capabilities and controls of target financial institutions• Conduct on-site or online meetings with management from various departments of financial institutions• Investigate adverse information and events related to individuals and organizations, as well as AML/CFT risk assessments• Coordinate the Research Analysts team, providing methodological support and targeted training to enhance skills in risk identification and assessment

Zurich, Switzerland

Financial consultancy to banks and microfinance institutions in emerging markets.

Kyiv, Ukraine

• Facilitated arrangements for the debt recovery of corporate and SMEs customers• Conducted initial assessments of credit files to identify and provide mitigation measures related to potential legal and other risks that could damage the position of the bank • Developed and implemented multi-scenario recovery strategies • Prepared problem loan credit applications, including business, credit, and financial analysis reports, market and country risk analysis, peer comparison, cashflow assessments, financial models, and recommendations for the Problem Loan Committee • Coordinated efforts with and between customers, partners, and bank staff on the implementation of approved strategies within loan documents • Monitored the timeliness of debt servicing and the fulfillment of loan covenants with signed agreements via the Workout database • Monitored transactions for suspicious activity, with a particular focus on transactions involving the explicit removal of money from the business • Conducted regular credit and strategy reviews by analyzing and comparing factual and planned financial indicators to identify gaps or deviations and revising and changing strategies in response to insufficient results from earlier approached steps to ensure continuous improvement of clients' financial outcomes and credit repayments • Participated in the Compliance department investigations on fraud and AML/CFT matters • Supervised out-of-court debt recovery processes for the SMEs customers• Conducted on-site client visits to evaluate the actual business activities of clients by verifying primary accounting documents, examining visual indicators such as the volume of stored products, the number of workers on-site, and the functionality of equipment• Served as GDPR Officer in the department• Engaged in the implementation of several projects focused on enhancing internal systems and tools

Kyiv, Ukraine

Proactive management and specialized support for clients in the early stages of debt repayment challenges, followed by tailored restructuring strategies and recovery solutions.

Kyiv, Ukraine

• Worked with customers to understand their unique business and financial needs • Cooperated with other bank officials to prepare corporate and small business applications for financial leasing, including restructuring requests • Performed credit reviews and provided recommendations related to deal structures (e.g. financing terms, project implementation sequencing) • Conducted market analyses and business environment assessments of customer business segments • Analyzed the financials of customers to evaluate their creditworthiness within the market and against bank criteria • Assessed investment projects based on various assumptions • Prepared risk assessment sheets, credit and financial analysis reports and associated recommendations for credit committees • Assigned risk ratings to customers based on quantitative and qualitative indicators • Developed an analysis tool (of working capital and investment financing needs as well as reasonable payback periods) for agricultural customers based on regional statistical data of fields

Mykolayiv, Ukraine

• Processed corporate and SME credit applications, including both new applications and restructuring requests • Conducted business, financial and feasibility analyses of customer businesses, issuing recommendations for decision-makers • Prepared credit and financial analysis reports • Assigned risk ratings to customers based on quantitative and qualitative indicators as per Basel II requirements• Worked with customers and other bank representatives on deal structuring and other business issues related to lending

Mykolayiv, Ukraine

• Assigned credit cases and tasks to economists and oversaw their execution• Issued bank credit products to corporate and SME customers, ensuring proper controls in regard to financing terms and conditions• Monitored financing conditions applied to loans disbursed to corporate and SME customers• Administered the bank’s databases• Calculated provisions as per the requirements of the Central Bank• Prepared reports and presentations on credit portfolio composition and quality, as well as provisions utilization for bank management• Implemented employee development plans related to the core skills and competencies of the department and focused on knowledge of Central Bank requirements to credit monitoring, control, and administration, as well as detecting and identifying patterns of fraudulent activity• Developed and implemented initiatives to optimize business processes and increase efficiencies related to structured check-lists and IT-based transactions, leading to reduced working times

Mykolayiv, Ukraine

• Verified actual business processes against payment instrument lending procedures • Investigated the facts surrounding potential credit process violations and suspicious (fraud) activities as well as related disciplinary and administrative punishments for bank employees • Oversaw the distribution of insurance compensation • Calculated provisions as per the requirements of the Central Bank • Prepared reports and presentations on fraud examination results and private individual portfolio quality for bank management

Mykolayiv, Ukraine

• Issued bank credit products to corporate and SME customers, ensuring proper controls in regards to financing terms and conditions• Monitored financing conditions applied to loans disbursed to corporate and SME customers• Administered the bank’s databases• Calculated provisions as per the requirements of the Central Bank• Prepared reports and presentations on credit portfolio composition and quality, as well as provisions utilization for bank management• Developed improved business processes (e.g. the implementation of standards, checklists, and IT-based accounting) for enhanced monitoring and control• Implemented team-based trainings and individual examinations