Andrii Hidulian Email & Phone Number

Vienna, At

Vienna, Austria

MY TOP RESULTS:✔️ Updated SME Segment Strategy in 2018 for the next 5 years✔️ Consolidated Micro and Small Businesses in 2 countries✔️ Managed SME segment in 6 countries (Belarus, Croatia, Czech Republic, Hungary, Romania, Ukraine)✔️ During COVID-19, led business transformation and launched a remote advisory in 3 countries✔️ First launched on the market ESG web platform for SME clients in 2 countries

TOP RESULTS✔️ Launched the only small business banking community in Eastern Europe and Central Asia: 20 financial institutions from 5 countries (Azerbaijan, Kazakhstan, Kyrgyzstan, Moldova, Ukraine)✔️ 13,000 + professionals and 1000 + subscribers✔️ Organized annual forums for 370+ bankers✔️ Conducted banking study ranking & studies: mobile- and online banking, ecosystems, SME finance, agrifinance✔️ Organized annual banking awards (TOP20 SME Banks) - well recognized award in the industry.✔️ Three banking consulting projects with leading banks over last 3 years.-----Since the 2013 year, The SME Banking Club organized regional SME banking conferences and online events that bring together commercial banks and other financial institutions, and technology companies to share knowledge, spur innovation and promote the growth of small business in the region.

Vienna, Austria

Fairo is the all-in-one mobile app helps freelancers and small and medium-sized business owners control their business operations on the go.Managing Director at Fairo GmbH, Austria. 🚀 International Fintech Startup ➡️ 30 Direct Reports, 3 offices (Vienna, Kyiv, Prague) | CEE Region (Austria, Romania, Ukraine)MY TOP RESULTS:✔️ In 14 months successfully launched challenger bank — all-in-one mobile application for freelancers with banking and non-financial services. During COVID-19 pandemic, fully remote.✔️ Scale up the fintech startup across Europe (Ukraine in 2020, Romania in 2021, other countries - coming soon).✔️ Integrated banking-as-a-service (BaaS) platform with a leading local bank in Ukraine.

Vienna, Austria

Vienna, Austria

As a single owner representative – Raiffeisen Bank International AG – I managed a fintech project and was responsible for:▶ Project steering, ▶ Talent hiring, ▶ Budget and financial controlling, ▶ Intragroup governance.

Vienna, Austria

Paris, Île-De-France, France

The SME Banking Awards 2023 is the 3rd edition organized by Qorus (ex-Efma) when we recognize the best of the best in the SME banking industry. There are three categories to celebrate: SME Banker of the Year, SME Bank of the Year, and SME Neoplayer of the Year.

Kyiv City, Ukraine

Head of Small & Micro business development department with 15 Direct reports.MY RESPONSIBILITIES: ▶ Transaction business (day-to-day packages, local and international payments, FX, e-banking)▶ Lending products (WCF, investment loans, overdrafts), processes (APS) and CRM campaigns (top up, x-sell)▶ Savings (term deposits, saving accounts)▶ Commercial cardsTOP RESULTS:✔️ Launched first ever SME Credit Card in Ukraine✔️ Automated lending process automated - application processing system (APS) launched✔️ Launched new SME Packages - repricing and redesign completed✔️ Leakage completed - commission results improved ✔️ Launched SME Club - online business magazine✔️ Reorganized SME business department (Micro and SE businesses were merged)

Kyiv City, Ukraine

TOP RESULTS✔️ Restructured leasing portfolio✔️ Improved soft collection & workout processes✔️ Reorganized risk management team✔️ Improved data reporting aligned with Group requirements✔️ Aligned Credit analysis & Underwriting with RLI Group standards

Kyiv City, Ukraine

TOP RESULTS✔️ Established Basel II Credit Risk implementation project team✔️ Project kick-off, committed deadlines to the FMA (Austrian financial supervisor)✔️ Implemented Asset Class Segmentation✔️ Implemented credit scorecard with IRB Foundation✔️ Aligned SMB Rating model adjustment with Non-Retail✔️ Adjusted IT architecture and systems to Basel II requirements

Kyiv City, Ukraine

50 Direct Reports in Head Office +24 regional offices ▪ I had a power to approve a credit limit up to 1.5M EUR / loanTOP RESULTS✔️ Joined bank transformation team after Raiffeisen Group bought local bank: SME Risk Mgmt. established, local procedures aligned with Raiffeisen Group Standards ✔️ Implemented 4-risk-eyes principle. With CRO, I was responsible for <1.5M EUR credit approval✔️ Implemented first ever Credit Policy Papers for SME and agribusiness clients in Ukraine✔️ Centralized credit underwriting for micro- and small business loans; hired and trained with 40+ employees✔️ Centralized fully centralized approval process and unified credit analysis process; achieved Time-To-Yes 2 days✔️ Certified 500+ sales managers✔️ Centralized and automated credit application processing system (APS) implemented

Mykolaiv Region, Ukraine

SNAPSHOT: 4 Direct Reports | Credit Analysis, Credit Assessment | SME, Agribusiness, Machinery, Public Transport, Wholesales Trade | Analyzed 60+ loan applications per month [from $10K (micro business) to $10M+ (Corporate clients)].

Mykolayiv, Ukraine

SNAPSHOT: Managed ~30% of total Corporate Credit Portfolio in the region | Corporates ▪ Agribusiness, Machinery, Public Transport, Wholesales Trade | Account Management, Credit Analysis, Credit Administration