Igor Kozhevin Email & Phone Number

Paris, Fr

Setting up and developing digital fintech in assets based lending to entrepreneurs and micro enterprises across EU. Focus on used motor vehicles and machineries for clients with limited credit history. Partnered with the shareholders to build the processes, controls, funding and value. Operating in France, Czech Republic, Slovakia, Poland and expanding geographically to facilitate cross-border transactions.

Oversaw fintech and digital budgets up to €54 million. Reported progress to client executives. Market research for capacity valuation, verification cost, and price assumptions, building strategic business models, attracting funding, and facilitating negotiations.▪ Engineered €19.7 million in annual net income and 36% revenue margin potential in five years by setting a stage for 14% market penetration of a fintech start-up in Italy by developing fiscal business models and strategies to enhance organizational growth. ▪ Exceeded €240 million valuation for a fintech start-up by geographical expansion across Europe, focusing on top ten customers. ▪ Developed funding plan to attract €50 million for a leasing business through equity and debt instruments.

Kyiv, Kyiv, Ua

Reported to the CEO of Kyivstar. Steered the development of a JV between Kyivstar, a telecom operator, and Alfa-Bank, the top 5 bank in the country, overseeing 956,000 monthly active users for a new banking application. Supervised 16 staff in promotional activities targeting market penetration of 26 million Kyivstar customers through digital and retail channels. Developed sale channels, led business strategy valuation and verification, set up management controls between JV parties, and drafted and negotiated JV documentation. ▪ Targeted $X.X billion in retail digital banking portfolios by analyzing the customer base and identifying service add-on opportunities.▪ Attained $X.X billion in valuation by developing a five-year financial strategy supporting business expansions.▪ Secured 49% of onboarding from Kyivstar pre-scored customers with 2-x higher ticket sizes, leading to an equal JV partnership.▪ Gleaned a 24% share in onboarding customers by launching 16 consumer promotions in 548 single-brand telecom divisions.▪ Developed profit sharing scheme for JV parties considering the cost of banking capital and targeted legal structure.

Supervised the efforts of five construction, IT development, and marketing specialists researching Ukrainian private residence and European prefabricated house production markets. Created long-range maturity products for the three banks. Reported to the supervisory board and controlled a $1.2 million budget. Completed three market research studies and developed a supplier network to secure 90 days of construction and fit-in period.▪ Closed $1.2 million in new house banking deals by developing an application for innovative financial and loan structuring options.▪ Fostered +15% brand awareness by launching digital marketing campaigns, including direct mail, Facebook and Instagram promotions, and user-friendly websites to build engagement.▪ Completed 32 projects in Ukraine with high-quality prefabricated modules produced in Slovenia.

Kyiv, Ua

Oversaw 150 employees and reported to the CEO. Orchestrated a corporate reorganization and trained financial controlling and planning, accounting, tax, international funding, treasury, and asset and liability management teams. Developed and implemented banking planning models and quarterly efficiency reports, including branch efficiencies, risk-based pricing, recruitment/operational cost evaluations, collection efficiency assessments. Adhered to a $300 million revenue budget.▪ Averted $6.5 million in potential risk by evaluating digital retail banking plans▪ Salvaged $750,000 in funding costs (16% of bonds-related expenses) in a first-of-a-kind in the country transaction initiating an open market buy-back at a premium to the investors.▪ Improved +78% reporting efficiency, from 23 to 5 days, by automating data warehouse functions.▪ Slashed 63% in planning time, from four months to below two months, by crafting business models with KPIs for each operational unit.▪ Obtained 32% staff reductions and 21% cost savings for direct reporting functions.▪ Reduced 17% in controllable buy- and sell-side bank expenses due to an M&A deal by identifying redundant and overpaid resources.▪ Attained a +12% branch efficiency surge in two years by designing and verifying a branch profitability model.

Kyiv, Ua

Managed 21 staff in a consumer lending startup’s end-to-end development and launch, overseeing a $59 million revenue budget with entire fiscal leadership for controlling banking operations, treasury, accounting, tax, and regulators’ reporting. Reported to the CEO.▪ Facilitated a $25 million / 10-year maturity subordinated loan from the European Bank of Reconstruction and Development by collaborating with the lender and gaining regulatory approval for additional bank capitalization.▪ Delivered $1.6 million net profit in 2012 (+45% above initial budget) by focusing on value-generating products, identifying cheaper funding instruments, and optimizing operational costs.▪ Attained 100% compliance by restructuring loan portfolios as per National Bank of Ukraine regulations and prevented license loss.▪ Achieved 25% market penetration in ‘sale finance consumer loans’ through key retail chain distribution.

Steered 15 experts in financial operations for a $40 million construction project to launch a new site in St. Petersburg. Facilitated certification of ISO 9001 by championing the execution of SAP R/3 modules. Reported to the CEO and oversaw a $102 million revenue.▪ Achieved $102 million, tripling sales over three years through geographical expansion, developing sales channels, and driving consumption by active marketing campaigns for all the product lines.▪ Realized $35.2 million profit from operations (12% higher than the annual budget) through a favorable product mix, lowering product costs by 3% and operational expenses by 7%.▪ Released $2.1 million in working capital, a 45% gain, by liquidating slow-moving stocks and raised supplier accountability by 65%.▪ Secured full compliance with SOX 404 requirements by certifying commercial and manufacturing operations in Russia and Ukraine and leading employee training initiatives.

Member, Management Accounting

Certified Project Manager, Project Management

Master, Finance Management And Accounting

Bachelor'S Degree, Accounting And Finance