Maria Gruzdeva Email & Phone Number

Dubai, United Arab Emirates

Dubai, United Arab Emirates

Blanco FZ LLC (part of QiGroup), based in DubaiQiCard (International Smart Card) - fintech, leading payment company in Iraq• Led development and implementation of new payment consumer and commercial card products, aligned with company goals, customers’ needs, and market trends. Developed go-to market products’ strategy.• Made forecast of cards business and contributed to negotiation of Strategic Commercial Contract with key partner• Led and successfully launched complex strategic project with multiple multicultural stakeholders within tough deadlines and lack of resources.• Maintained strong business relationship with payment schemes Visa and MC, vendors, processing companies and external strategic partners.• Analyzed cards products P&L to identify opportunity for growth, proposed data-driven strategy to increase XB revenue and customers acquisition growth and optimize retention rate.• Managed cross-functional team (10 functions across 4 locations), collaborated with Mobile App, UX and Technology teams to enhance user experience and customers onboarding process.• Monitored competitors, their products and pricing. Identified key areas for improvement and tailored best practices and market trends to enhance products’ features accordingly.• Collaborated with Finance Team to simplify cards limits and pricing model, to improve operational process and to focus on customer satisfaction.• Optimized internal operational processes, created documentation and marketing materials for payment products, trained internal teams on new products, acted as SME to mentor entry level team members.

•Represented Visa by being primary point of contact for key and global clients in B2B segment (top-tiered International and Russian banks, FinTech partners), understanding clients’ strategies and priorities.•Ensured Visa’s dominant position on market by by implementation of country and business strategies with designated clients.•Maintained relationships and drove business agenda with over 15 key customers, incl. Top 3 bank with XXM customers portfolio.•Managed sales pitches, focusing on achieving targets through generating new business opportunities and developing existing ones.•Structured, negotiated and executed Strategic Commercial Deal (RFP) with С level stakeholders to grow and secure company's share in Clients' business.•Developed, led and executed Account plan for designated clients. Promoted and implemented Visa Core products, marketing campaigns and VAS services, resulting in over 10 VAS solutions successful launch and NR growth.•Analyzed and monitored progress of key performance indicators of designated clients, to take proactive measures to accomplish targets.•Led Cross-Functional teams (up to 15 functions) to ensure business and customer needs fulfilled•Evaluated competitor's strategy across the region, for assigned clients, and formulated a targeted action plan. •Increased key Client’s satisfaction score reaching 100% NPS by maintaining close business relationship with main stakeholders across whole functions.•Signed and executed up to 10 specific commercial agreements aimed to drive strategic projects, innovation and marketing agenda•Achieved 100% of Sales and revenue targets by utilizing a consultative sales approach that ensures clients´ business objectives.•Managed all Client related records in the CRM, being Sales Force Champion• Introduced over 15 new payment products, VAS services resulting in growing NR•Got experience in mentoring and coaching entry-level team members

Moscow, Russia

•Responsible for growing business and building relationships with over 70 Clients through generating opportunities and initiatives and owning the full process of account management.• Coordinated with Visa Cross Functional Teams in order to successfully implement Account plan & clients’ initiatives • Contributed to the identification of new business development opportunities• Aligned the efforts and of various business functions to successfully deliver projects and support the Clients needs• Built an effective teamwork and collaboration with internal stakeholders• Achieved High Customer Satisfaction score•Has been promoted, due to strong performance rating during all the years and organizational impact.

Moscow, Russia

• Cooperated with global payment systems Visa and MasterCard, processing company and external partners• Conducted Service Sales for banks partners• Contributed to the Bank’s revenue by attracting 10 new banks partners and X-selling bank’s services• Developed new payment products and services from scratch with banks partners• Increased key clients’ satisfaction score• Arranged conferences and workshops for over 100 partners

Moscow, Russia

has been promoted due to strong performance.

Moscow, Russia

TOP 1 Bank in Russian market, with assets of more than $ 571 billion- conducted all banking transactions with the individuals and legal entities.- worked with cash foreign currency and securities.- Has been promoted 4 years ahead of schedule.

Moscow, Russia

Economist, Economics, Economist

Specialist In Banking, Banking And Financial Support Services