Roman Lobusev Email & Phone Number

Batumi, Ge

Moscow, Moscow City, Russia

Summary: Leading the development of a coalition loyalty program integrated with debit cards in collaboration with one of Russia’s largest insurance companies. Focused on digital channel expansion, payroll card distribution, and leveraging Agile practices to optimise IT delivery and increase customer acquisition through enhanced digital experiences.Key responsibilities and achievements:(1) Enhanced customer acquisition through optimised UX/UI improvements in partner sales channels, achieving a sixfold increase in new active cards by elevating the digital customer journey.(2) Developed and implemented a portfolio management strategy, launching targeted onboarding, usage, and retention campaigns to enhance customer engagement and drive sustained growth.(3) Established comprehensive P&L tracking systems to inform data-driven decision-making and maximise product profitability across the product lifecycle.(4) Transitioned IT delivery from a waterfall to Agile framework, implementing structured backlogs, prioritization techniques, and collaborative workflows to enhance delivery speed and cross-functional alignment.

Moscow City, Russia

Summary: Directed the value proposition for debit cards within the daily banking portfolio, managing P&L responsibilities and leading the team's Agile transformation. Established data-driven approaches to optimise profitability, address evolving customer needs, and ensure alignment with business objectives.Key responsibilities and achievements:(1) Launched tailored product offerings for diverse customer segments, driving an 8% increase in active card issuance by aligning product vision with market trends and customer needs.(2) Introduced commission structures and loyalty program enhancements that generated EUR 1.5M+ in monthly revenue, aligning product strategy with organisational growth objectives.(3) Led an Agile transformation within my cross-functional team, establishing new Agile routines, implementing dynamic roadmaps, and onboarding new team members to strengthen collaboration across IT, Marketing, and Digital, ensuring quick adaptation to customer insights and business needs.

Russian Federation

Summary: As the sole Product Manager, led the end-to-end transition of all products and related processes from an operational partnership framework to a fully in-house platform. Oversaw the design and delivery of both financial and non-financial product features. Collaborated closely with UI/UX teams to set up digital product representation.Key responsibilities and achievements:(1) Spearheaded the launch of a credit card on an in-house operational platform, designing essential financial (APRs, fees) and non-financial features (billing principles, grace periods) to increase operational control and product competitiveness.(2) Led the business and product aspects of mobile app development, establishing the UX/UI basics and the roadmap.

Moscow, Russian Federation

Summary: Built and scaled product lines for the branch network, leading revenue-driving initiatives and managing key partnerships to support a comprehensive financial services portfolio. Focused on data-informed adjustments to improve profitability and develop product solutions tailored to customer segments.Key responsibilities and achievements:(1) Built and scaled the commission-based product line for the branch network from the ground up, generating USD 16.5M in annual revenue through targeted growth strategies. (2) Revitalized a struggling credit card line, transforming it from a monthly loss of $900K with limited value and no risk or profitability tracking to a monthly profit of $150K, with a targeted segment-focused design, core risk tools, and regular profitability monitoring(3) Improved the approval rate by 3-4 percentage points by offering alternative cash loan tenors tailored to customers’ debt-to-income ratios

Moscow, Russian Federation

Outline: was responsible for bancassurance project development with key partner (Home Credit & Finance Bank Russia). P&L responsibility, key metrics growth, new sales channels and products introduction. Key responsibilities and achievements:(1) Launched the key partner’s (Home Credit and Finance Bank, Russia) new sales channel (branch network) with USD 16,5 mln of annual insurance premium amount (2) Substantially increased bundled insurance products penetration from 30% to 55%, with USD 18 mln of incremental annual insurance premium. Did it with special salesforce incentive activities (3) Implemented new «Goods protection» insurance product(4) Launched bancassurance project with new partner (Russian TOP - 100 regional bank) orchestrating all the key activities. Annual insurance premium amount is USD 6,5 mln

Moscow, Russian Federation

Key responsibilities and achievements:(1) Facilitated the launch of 14 regional offices/50 Bank’s point of sales. Hired and trained staff, supported them at their initial stage (2) Developed the training system (materials, frequency) for partners' (merchants) staff(3) Got a promotion from the salesman starting position