Potok.Digital is Russia's #1 fintech in peer-to-business lending

Our investment focus is on alternative non-bank lenders: fintechs, p2p- and p2b- services, etc. We partner with established financial organizations and provide our investors access to this high-growth and profitable sector.

Revo is a mature Russian fintech start-up backed by top investors such as Baring Vostok and Vostok Emerging Finance. Revo offers pay-later solutions to online and offline merchants that boost sales and provide great customer experience• Direct P&L responsibility for risk and servicing costs • Managing the risk equation: approval rates vs. payment default levels based on partner/channel profitability targets• Customer and partner support processes • Investor and regulatory body relations• Strategic initiatives

Supporting shareholders durign transition period

Setting up several key functions in a seed-stage start-up • risk management from approval policy to bad debt collection • analytics and supporting data infrastructure• customer service with focus on call center operations and development of payment channels • financial modeling, lead role in continouos debt and equity funding effort

Deputy CRO role with the second largest private bank in Russia at the time • Loan portfolio quality control, IFRS provisioning, planning and monitoring of key risk parameters in the business planning cycle • Advanced analytics from portfolio segmentation to credit risk modeling (PD, LGD)• Risk policies and methodology, development of credit process• Comprehensive risk reporting for CRO and Board Risk Committee• Introduction of Basel II/III, member of Central Bank working group on Basel standards• Built a professional team going from 0 to 20 people in 3 years

A generalist with a strong spike in banking and risk management. Selected projects:• Transformation of risk management function at a top-10 Russian bank• Analysis of product line and service model in SME lending for a leading player in the sector • Design and implementation of Delinquent Loans Department ‘from scratch’ in a top Kazakhstan bank• Profitability improvement program for a major airline• Introduction of performance measurement system at a Russian energy producer

Investment valuation of new technologies and business models in the telecom space