Developed the project to implement a new neobank: formed a team, developed a strategy, business model, marketing positioning, go-to-market plan, described business processes, including onboarding, described the IT infrastructure and selected IT solutions for its implementation.

• each year of my work has provided the overfulfillment of the basic planned indicators: gross income, EBITDA, profitability of business• the company's market share increased to 46% in 2020• since 2017, the number and amount of transfers has increased 2.5 times to 250 million units. and UAH 120 billion• the share of cashless transactions increased from 10% in 2017 to 37% in 2020 (27% - POS, 10% - online)• developed the strategy until 2025• reinforced R&D and IT teams• developed own fintech platform, provided the NovaPay payment system (processing of all payments of Nova Poshta and its clients)• online payments have been provided in the Nova Poshta mobile application (Masterpass, P2P, Internet Acquiring, Merchant initiated transactions, Safe service)• Forpost electronic money was implemented• established interaction with the regulator (NBU), the World Bank (IFC), consulting companies (Finpoint, PWC) and leading participants of the payment market: Mastercard, VISA, major issuing banks and acquirers (Privatbank, Oschadbank, Taskombank, Raiffeisen), leading PSP (TASLink, Portmone), payment systems (FlashPay, EasyPay), associations (UAFIC, EMA).

Implemented several projects in the Ukrainian banks concerning strategy development, improvement of the product line, distribution channels, pricing, promotion, construction of key business processes, systems of sales, motivation, monitoring and reporting.• First Ukrainian International Bank (PUMB), 06/2016 – 01/2017 Formed retail transactional business strategy, including strategic analysis, business, operational and financial models development, compiled action plan• Finance Bank, 12/2015 – 05/2016Retail bank strategy and CAPEX plan audit, made improvements, structured financial controlling system particularly reporting• Trust Bank, 08/2015 – 11/2015 Development of retail bank strategy and business model in connection with payment system EasyPay, including analysis of strategic opportunities, effective cooperation model, product, process and sales management

• provided 45% growth of loans in 2014 (best indicator in the whole banking system), >260 new loans and credit cards, 33% growth of deposits; increased market share and positions in rankings; achieved solid profitability in 2013-2014 after losses in previous periods• developed and implemented new strategy, optimized products (loans, deposits) improving value proposition, provided effective pricing and marketing• increased efficiency of sale channels, added proactive sales in agency network, Internet, telemarketing; provided effective CRM including by own resources; improved sales management and marketing communications• formed strong management team, improved staff motivation and training system• optimized and automated key business processes, reduced costs of support, realized projects: Internet Banking, new web page, product landing pages, lead management system, DWH, payment cards management system

• provided sustainable growth of retail business (annual 15-20% for all key indicators)• formed and implemented new retail business strategy focusing on effective marketing mix, developed and issued new products (Credit Cards, Mortgage jointly SMI), new range of deposits• provided effective sales management (Head Office - Branch - Partner - Customer) and partners acquiring (car dealers, realtors, brokers, insurance companies) including by own recourses• optimized and automated key business processes (product development, pricing, sales management, issue and support of loans)

• realized huge range of projects including in project manager role: development of Automated Banking System (accounts, payment cards, deposits, loans, mass payment through different channels); CRM; new Web Page; Internet Banking; Assets and Liabilities Management; Transfer Pricing; Customer Profitability; DWH; Contact Centre; International Airlines Loyalty Program; FUIB and Dongorbank Merger; Quality Management;• provided effective functioning of Retail Banking Development direction: new products development, pricing, promotion, strategic and operational planning, reporting, relationship with international payment systems, development, optimization and automation of business processes and sale standards