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• Consumer business strategy development and implementation, retail business profitability and financial results management, key business processes designing and implementation, searching and testing new business.
• Work organizing of 50+ different level professionals in the consumer business block with focus on attracting new customers (180 000 new customers), product management (50 standalone products in loans, deposits, cards.
• Managing of key retail product lines (loans, cards, deposits) performance KPIs: loan portfolio growth by +100 billion rub, fund balances +50 billion rur, average penetration of 4 products per client.
• Retail business products and services developing and P&L managing (margins in loans portfolio ~ 1.2%, in deposits portfolio ~ 0.7%, in savings accounts portfolio ~ 0.5%, in credit cards portfolio ~ 1.8%, in debit cards.
• Management of sales channels (secondary sales, partner distribution, etc.): launch of partner channels, X-sell credit, transactional and savings products
• Management and optimization of sales funnels efficiency in the branches network, Contact Center, partner channels and CRM (response rate, take-rate, conversion rate and other KPIs management)

Moscow, Russian Federation

• Retail business division management (30 senior managers) in mass (average deposit 300ths rub), premium (average deposit 1M rub), private banking (average deposit 20M rub) segments. Maintenance, development and.
• P&L management of deposits portfolio (~ 100 billion rub), loans (~ 50 billion rub), cards (~ 300 000 cards) for open market, payroll channel, partner’s channels and existing bank’s CRM clients.
• Designing and implementing regulatory, legal, technological conditions of the consumer products. Product cash flow forecasting and managing, interaction with the treasury unit, risks unit, operating unit, etc.
• Digital transformation managing: implementation of seamless remote identification and sales services through a partner’s channels / internet banking / Contact Center, virtual cards, electronic PINs, C2C transfers, real.
• DWH configuration to design MIS reporting on the effectiveness of sales channels and product portfolio results

Moscow, Russian Federation

• Retail product and CRM division management (18 senior managers). Maintaining and developing existing and new designed product lines in deposits, loans, credit cards, debit cards, credit cards, premium packages and.
• P&L product portfolio management of the deposits (~ 350 billion rub), loans (~ 100 billion rub), cards (~ 1.5 million cards) for the open market, payroll channel, partner’s and existing CRM clients.
• Cross-sell strategy developing and implementation for the clients from the shareholder’s companies, implementation of customer's life cycle management program, Big data and DWH projects management.
• Management the following units: card processing, self-service terminal network, acquiring POS-terminals network, contact center, remote service system (internet bank, mobile bank).

Moscow, Russian Federation

• B2C payment business processes designing, business requirements development, P&L models preparation, transactional products functional requirements and technical specifications creation, developing utility bill payment.
• Project office coordination during the process of the configuration and implementation of payment and clearing centers for key B2B customers (Russian Post, Federal Treasury, etc.). Software modifications when.
• Monitoring the implementation of projects in accordance with the goals (results, timing, budget). Interaction with integrators, developers team management. Quality control of the projects execution.

Moscow, Russian Federation

• Maintain and expand market share through acquisition new clients and developing new deals (card acceptance, internet acquiring, marketing, loyalty, co-brands) with top merchants (Aeroflot, Auchan, Sportmaster, X5 and.
• Growth of the company's market share in the debit cards by 4%, in the premium segment cards by 10%, in credit cards segment by 5%.
• Developing sales plans and leading engagement with the top Russia/CIS banks (Sberbank/VTB in Russia, HALYK in Kazakhstan, PRIVAT in Ukraine).
• Innovations Implementation (NFC, C2C payments, tokenization) with issuers, payment providers and integrators. Searching for market opportunities for the card business development (launching co-brand cards with key.
• Launch of premium card products for major issuers in Russia and the CIS cluster. NFC (contactless) card acceptance network development, innovations implementation with leading acquiring banks (VTB with Auchan direct.

Moscow, Russian Federation

• Analyzing top Russia/CIS/CEE banks needs and identify opportunities for new business. Developing and maintaining partnerships with key issuers and acquirers in the market to secure market share.
• Driving Consultancy team to deliver card volume and net revenue growth with TOP banks. Developing and implementing portfolio managing strategies for the key client (Sberbank/VTB in Russia, HALYK in Kazakhstan, PRIVAT.
• Searching for the relevant best practices in card products and portfolio management at Asia / US markets to transfer them in Russia / CIS / CEE cluster.
• Macroeconomic analysis and modeling of the payment market. Determination of industrial interchange rates, pricing and specials. merchant interchange programs rates for the cards acceptance boosting in the dedicated.

Moscow, Russian Federation

• P&L management of the cards portfolio through activation (~ 70% ever used), usage stimulation (~ 50% used in month), balance build (~ 45% utilization) and retention (attrition decrease from 3.5% to 0.5% per month).
• Debit cards and CitiOne mass package portfolio management (800 000 customers), organization of X-sell insurance and personal installment loans, ATL / BTL sales campaigns
• Working closely with credit/operations/legal/compliance/taxation/financial to ensure a balanced approach in managing risk and revenues of new programs. Monitoring achievement versus plan through business MIS (Pre/post.

Moscow, Russian Federation

• Establishing product positioning. Monitoring the market place for opportunities and bring in best practices. Developing and executing product communication strategy.
• Marketing mix implementation: advertising development / adaptation & media placement. Agencies briefing, ATL/BTL campaigns execution control. Monitoring and reporting on the performance of marketing campaigns.
• Marketing Research management (on-line surveys, concepts tests, focus groups, etc). Benchmarking and tracking of bank’s performance achievements. Conducting and maintaining a competitive analysis on bank’s products.
• Customer satisfaction and loyalty metrics program management, NPS management

Moscow, Russian Federation

• Drive the product strategy: evolve current products, create and implement supplementary and co-brand products to drive growth. Drive product key performance indicators: sales numbers, spend sales volume, utilization.
• Development and launch first credit cards in Russia, launch of first credit cards with a grace-period (growth total cards portfolio from 0 to 500 000), coordination of sales channels (DSA, B@W, Telesales, MGM, etc.)
• Alliances/partners program management. Creation and launch of one of most profitable co-brand cards projects with key retailers (Aeroflot, Lufthansa, MTS, Megafon, Neste, Metro Cash & Cary, etc.), launch of the Citi.

Moscow, Russian Federation

• Development and maintaining of retail banking products (deposits and cards) for mass segment and premium segments. Collaboration with legal, IT, tax and other support units, work with Collegial Executive Body when.
• Managing retail products tariffs and pricing. Competitive analysis, segmentation and controlling effectiveness of sales results. Controlling response rate, cost of attraction, CPA, CPC, visit rate, etc.
• Development and implementation of ATL / BTL sales marketing campaigns to attract new deposits and cards clients (press, Internet, outdoor, radio, metro, TV, etc.)

Moscow, Russian Federation

• Existing time deposits and debit cards product lines tuning in accordance with market requirements, coordination of the products launching process within the bank
• Coordination of sales channels (branches network and contact center), preparation and distribution in sales channels products advertising materials, advertising agencies management, internet leads generation program.
• Implementation of CRM system and remote self-service channels. Preparation of requirements for the configuration of bank’s IT systems for launching new products, testing of product settings in the automated banking.

Responsible for website concepts; content creation, editing and provisioningMaintaining a competitive position against other dedicated Internet service providersInternet sales channel support and development Grew customer base through the development and implementation of quarterly promotionsInternet advertisement campaigns managementMinimizing customer.

Phd, It And Cybernetics, Post-Graduate Study, Phd - It And Cybernetics

Activities and Societies: Post-graduate study, PhD - IT and Cybernetics

Programming Languages, Diploma, State University – Programming Languages, Diploma