• Management one of the biggest cash remittances & cash bill payments business in Ukraine (fees setting, methodology preparation, promo campaigns planning, permanent improvements of processes trough minor IT-changes) • Participation in strategic planning for 2018 - 2023 • Building of card acquiring business from scratch • Project Portfolio Management (choice of processing center, purchase & placement of POS-terminals, change of back-office IT-app. for cash payments, pilot placement of self-servicing devices, cash currency exchange launch, data extraction to DWH, launch of PostID etc.) • People management (15 employees in 2 divisions) • Budgeting, business planning Achievements: + Increase of income from cash remittances and cash payments on 30% or $ 1.6m per month (2Q2018 vs. 2Q2016) + Built Financial services business development team (hired 12 employees) + Entry to Visa, MasterCard as a principal member (for the first time in Ukraine among non-banks) and to national payment card system Prostir + Launch of payment cards acquiring through the third-party processor (Ukrcard), purchase and placement of 5000 POS-terminals after transparent tender on Prozzoro + Strategy for financial business for 2018-2023 prepared in collaboration with McKinsey and approved by the CEO + Remittances from payment cards on the Internet-site to any locality in the country (unique in Ukraine)

Achievements: + Selected key IT-applications (Core Banking System, Campaign Management, Web/mobile banking, Loan Factory and front-office application for branches, processing center and card back-office) target IT-architecture is approved + Prepared business requirements (web-/mobile banking, card back-office, card packages), negotiations with IT-vendors are successfully finished and 20-30% discounts on licenses and works are received + Model of income and expenses calculation for the payment cards business is designed (based on projected emission of cards, design of card packages, issuing of Visa or MasterCard, different options of processing and card back-office etc.) + Target list of the products of the bank is elaborated and approved, detailed concept of card packages for individual clients is designed, packages of services for SME servicing are launched + Specialists are chosen and recruited, team of product designers is formed

• Organization of analytical sales support and client segmentation • Implementation of CRM for retail banking, implementation of Internet-banking for private clients • Organization of Alternative Channels’ Development and Sales Support Division from scratch: recruitment, adaptation, development, tasks setting and control Achievements: + Data Mining implementation: successfully launched based on DWH organized on MS SQL and SAS Enterprise Miner + Organized analytical support for sales organization and finalized clients’ segmentation + Implementation of direct-marketing campaigns which resulted in: 100% increase in sales of credit cards, 30-40% of arrears on credit cards is paid off in first 30 days, increase from 20% to 51% of credit cards subscribed on Master Card Rewards, $ 4.5m is attracted on deposits from the former clients of VAB bank, 13-20% increase of direct marketing campaigns effectiveness on pre-approved credit card limits. + Reshaped salary credit cards sales approach: implemented usage of real clients interviews, reformatted presentations & created sales movies + Internet-banking implementation (BSS, Russia) – on pilot stage + Implemented marketing campaigns automation in Oracle Siebel CRM – at the end-user testing stage

• Project Portfolio Management (management of the Project Office) on implementation of new services (goals setting, project phases control: feasibility studies, business requirements preparation, methodology preparation, fees settings, promo campaigns planning, organization of user acceptance testing, training & launch for sales) • Management of credit cards parameterization in SAP & sales launch in the role of project manager • Business indicators analysis, marketing analysis, substantiation of changes in fees and rates, preparation of requirements for promotional campaigns • Preparation of annual budgets, inventory of payment cards, PIN-envelops & welcome packs management • Managing team (10 officers, 2 units: project managers & methodologists) Achievements: + Launch of credit cards issuing in SAP – design of product & processes, management of software improvements, methodology, marketing + Launch of 3D-Secure for issued cards + Defining conditions of bonus-points loyalty program for cardholders + Upgrade of mass market salary cards (direct mailing to 30 000 card holders, response rate 20%) + Migration of 100 000 active card accounts from IS-Card to SAP

• Management of cards software & processes improvements in retail business (under guidance of Dunia Finance (UAE), www.dunia.ae): - management of credit cards & overdrafts parameterization in Way4 in the role of project leader, as well as the project on data extraction from Way4 to CDH - participation in CRM implementation project, organization of department’s activities in the scope of this project • Managing project portfolio, managing team: 9 project managers and methodologists. Achievements: + Parameterization of credit cards & overdrafts (conditions & accounting model) in card processing (Way4), + Customization of screens in Way4 & operational reports to support workflow + Integration of Way4 with CRM (Oracle) – data cleaning, migration of clients to CRM, design of extracts for MIS + Integration of CBS (Flex Cube) and card processing software (Way4) + Implementation of card operations and software minor improvements’ management system

• Management of the 4th largest card business in Ukraine (1 million active cards, 1420 ATMs, 2200 POS-terminals) • Product design, fees & rates setting, development of customer service methodology • Development and implementation of motivational and advertising campaigns • Managing IT-projects related to improvement of customer service: parametrization of front-end IT-application for customer servicing in branches, start of card accounts servicing in processing system • Cards business planning & budgeting • Managing team (9 reports, 3 units): recruitment, adaptation, development, tasks setting and control Achievements: + Simplification of bureaucracy in customer servicing + Launched new front-end IT-application for customer servicing in branches (Telescope), start of card accounts’ maintenance in card processing system (Way4) + Increased ATMs profitability by $0.5m per month + Launched dormancy fee, saving accounts, tariff calculator for merchant acquiring, renewal of overdrafts on salary cards + Migration of 200 000 local cards to processing of international cards

• Management of the emerging retail business – processes engineering, product design, permanent optimization of customer service, promo campaigns design, target sales planning for termed deposits, current accounts, cash remittances & payments, debit & credit cards • Managing team: 12 direct reports in 3 units Achievements: + Launched first cash-back card program in Ukraine, golden partner of “Leader” payment system, received special reward from “Contact” payment system + Second place in Visa CEMEA Challenge 2008 “Developing leaders in payment services” (among 150 banks of CEMEA region) + Received award as the best unit head in Client Policy Department at Ukrgasbank (among 30 unit heads in 2006), two gratitudes for significant contribution to development of Ukrgasbank (in 2008 and 2009)

_

_

_

IBR, Master of Business Administration (with honours)

Banking, Master of Banking

Kiev Academy of Media Arts, Marketing

CS, Business Administration of Core Banking System

Advertising School, Digital Marketing

Financial Studio, Marketing

Training center ‘Success’, Statistics

Training center ‘Success’, System Administration

OpenWay, Business Administration of Payment Cards Processing

LimeSystems, Business Administration of Core Banking System

The National Center for the Training of Bank Personnel of Ukraine, Accounting

www.loyaltyforum.info, Marketing