Nordic digital bank offering consumer lending and e-commerce financing across 14+ EU markets.

• Led end-to-end IT implementation of TF Bank?s digital consumer loan (Ratenkredit) and debt restructuring (Umschuldung) products for Germany and Austria, ensuring full BaFin, KYC, and AML compliance.
• Acted as Product Owner within Agile Scrum setup, managing PDLC and SDLC across distributed teams in Germany, Austria, Estonia, Sweden, Poland and Czech Republic.
• Managed API-based integrations with Check24 (broker), IDnow (KYC), Banking Circle (core banking), Simplify CRM, Experian, SCHUFA, Catego (categorized transactions platform), Creditreform (NPL).
• Conducted A/B testing of scoring models, improving risk segmentation and increasing loan approval rate from 20% to 28%.
• Reduced time-to-cash from 24h to 12h through process automation, faster scoring decisions, and real-time payment setup.
• Maintained non-performing loan ratio (FPD/SPD) at 2?3% post-launch via optimized underwriting and scoring logic.
• Launched Umschuldung (debt restructuring) flow to convert credit card debt (60+ DPD) into installment loans, recovering 20% of the portfolio and reducing charge-offs by 35%.
• Managed requirements(BRD) gathering and user story definition, backlog prioritization (ICE score model), sprint planning, release cycles, UAT coordination, and stakeholder communication at C-level.
• Designed CRM-driven communication journeys using Simplify CRM and CTI DIXA solution, boosting customer engagement (CustEx) by 25?30%.

Digital SME bank operating across the Baltics with ?100M+ loan portfolio

• Acted as IT Product Manager and Scrum Product Owner, owning the full SDLC for digital lending and CRM systems used across the Baltic market.
• Managed implementation of BaaS/API integrations with onboarding B2B, KYC/AML, and payment services, streamlining internal operations and accelerating customer activation.
• Delivered API integration with Salv AML/risk platform and DORA requirements.
• Coordinated cross-functional Agile teams across Estonia and Lithuania, leading requirements (BRD) gathering, backlog prioritization, release cycles, and post-go-live support.
• Oversaw UAT, compliance readiness, and platform rollout for high-impact systems (CRM, payment automation).
• Designed CRM-driven workflows to support debt restructuring, campaign management, and customer communication flows.
• Collaborated with Raisin (Germany) to deliver a cross-border deposit product for the German market, working closely with stakeholders in Berlin and Vilnius ? including on-site presence in Berlin for project execution.
• Enhanced risk reporting using Power BI, reducing monthly reporting time from 2 days to 2 hours via dashboard automation.

• Completed full Scrum Product Owner certification track (CSPO®, A-CSPO®, CSP-PO®) and gained advanced expertise in Agile delivery, Software testing (Gamma Intelligence Training Centre), and AI applications (ICAgile).
• Consulted early-stage fintech startups on product discovery and process optimization.
• Continued German language studies (Goethe B1 certified, B2 in progress).
  

Leading European fintech delivering digital consumer credit and P2P investment solutions across 32 countries

• Delivered refinancing, recurring payments, and Forward Flow (NPL Sale) automation platforms, increasing automation to 85% and reducing manual work by 40%.
• Launched CRM and CTI solutions, boosting campaign conversion and retention (+15%).
• Supported BI-based risk reporting for improved portfolio monitoring.

Leading AI-powered fintech revolutionizing consumer finance across Asian markets

• Led Smart Agent 2.0 (AI CRM) rollout, improving agent productivity by 30%.
• Launched FCMA mobile app for customer repayment and communication.
• Standardized QA/dev processes, accelerating releases by 20%.

• Owned end-to-end delivery of Homer Select Core Banking system modules and integrations with repayment platforms across Kazakhstan and Indonesia.
• Rolled out Field Collection App and CRM integrations, improving risk and customer data workflows.
• Implemented Genesys CTI and automated inbound/outbound contact flows.
• Launched scoring and fraud logic improvements, raising eligibility rate by ~ 10%, approval rate by ~8% with stable FPD ~ 2-3% and NPL ~ 5%.
• Delivered Loxon/MUCH CRM integrations and real-time risk reporting dashboards.
• Supported Group-level NPL sales and Forward Flow with regulatory-compliant risk data.

Oversaw credit risk, collection strategy, and operational restructuring across corporate and retail portfolios. Contributed to core banking upgrades and regulatory alignment during post-merger integrations and crisis recovery periods.

• Director of IRU / Risk Manager, Commerzbank AG (Ukraine/Germany)
• Head of Collection Strategy, Crédit Agricole Ukraine
• Head of Credit Risk Division, BNP Paribas (Ukraine)
• Head of Division ? Corporate & SME, SEB Bank Ukraine
• Branch Head, Raiffeisen Bank Ukraine