• A-IRB Credit Risk Models for 12 portfolios (both corporate and retail): Monitor performance of A-IRB credit risk models for both corporate and retail portfolios, ensuring accuracy, compliance. • Review of Estimate Reports: Successfully manage the preparation of Review of Estimate reports for all A-IRB models, providing actionable insights for decision-making. • Validation Findings Management: Oversee validation findings, ensuring full compliance with internal policies and regulatory requirements. Leverage tools like JIRA and Confluence to document and streamline workflows. • Model Development Support: Collaborate with cross-functional teams on A-IRB model development, including data preparation, univariate risk factor analysis, and methodological enhancements. • Leadership in Risk Analytics: Organize and lead regular internal CRCU (Credit Risk Control Unit) meetings, delivering comprehensive risk analytics to support informed decision-making.

Toyota Bank Russia | Apr 2020 - Jan 2023

Head of Retail Risk Management

• Risk Strategy & Decision Systems: Developed and refined risk strategies to enhance decision-making systems, aligning with both regulatory and business objectives. • Risk Analytics & Reporting: Led the analysis of key risk indicators (KRIs), forecasted risk trends, and created dashboards to provide real-time insights for management. • Methodology Development: Supported the methodology for all retail credit activities, ensuring alignment with best practices and internal standards. • IFRS Impairment Management: Oversaw IFRS impairment controls and forecasting processes to ensure accurate financial reporting and compliance. • Residual Value Risk Expertise: Established a Center of Competence for residual value risk calculation, supporting both banking and leasing (KINTO) operations. • Anti-Fraud Strategy Enhancement: Played a key role in improving the bank’s anti-fraud strategy, optimizing processes to mitigate potential losses. • Project Management: Successfully managed risk-related projects, coordinating across departments to implement risk mitigation strategies. Key Achievements: • Introduced a proactive soft-collection program to address delinquent loans, improving recovery rates. • Developed a Cost of Risk (CoR) calculation model for each car model—an innovative approach never performed before. • Collaborated with HQ to propose updates to the SICR model (IFRS 9), smoothing the impact of the pandemic on Expected Credit Loss (ECL). • Designed a comprehensive residual value risk calculation framework, successfully addressing uncertainty in both banking and leasing products.

KPMG | Jun 2019 - Apr 2020

Associate

Risk Consulting. Participating in projects related with financial risk management (credit risk, credit processes). Successfully completed a project with a major bank related to driver-based financial planning and an overview of the world's leading planning practices.

DeltaCredit Bank | Apr 2018 - Jun 2019

Head of risk-projects and methodology unit

Coordinating projects related to Risk Division (both local and Group projects ): reporting, monitoring and deadline control. Methodology support for Risk Division activities. ICAAP coordination: regular reports compilation and methodology compliance. Risk opinion coordination. Achievements: Successful leading and completing the big risk functions merge project as a project manager (Deltacredit and Rosbank). Successful leading and completing the IFRS-9 project as a project manager.

Bank "ALEKSANDROVSKIY" | Mar 2016 - Apr 2018

Head of credit risk control and report unit

ICAAP development: procedures and methodology. ICAAP reporting compilation. Credit risk methodology (590-P, 611-P) and reporting. Credit risk monitoring (provisions). Analysis for retail credit programs. Reporting automatization: VBA, R, SQLite. Achievements: • Risk strategy (with risk-appetite concept) accepted by the Board of Directors; • New format of risk reports (ICAAP based); • Optimization of provisions for “other assets” (debts, LCs, etc.); • Author of credit risk methodology for “other assets”; • Author of portfolio risk management and its methodology for auto loans

BFA Bank | Jun 2014 - Mar 2016

Head of risk control and report unit

Collecting data for analysis. Portfolio analysis (credit risk). Compiling risk reports on regular basis. Developing new risk reports. PD, LGD calculations (corporate loans). Loan portfolio stress-testing. Automatization of current risk report forms. Active participation in PD-model development project (corporate loans). Achievments. New risk reports development, automatization of current risk reports using VBA for Excel. Author of current LGD concept (corporate loans). Author of VBA macro (widely used by colleagues) for PD calculation. Author of current stress- testing methodology (corporate credit risk).

KIT Finance Investment Bank | Aug 2012 - May 2014

Head of Loan Administration

• Organize, edit and control of support credit processes of legal entities and individuals, documentary operations, trade financing transactions with postfinancing, factoring operations; • Reflection of credit operations in accounting (preparation of orders for back- office), the internal reporting; • Credit risk assessment (regular monitoring), the formation of reserves; • Interaction with internal and external auditors, with the Bank of Russia and others; • Monitoring of changes in the level of credit risk of accompanied assets; • Control of the relevance of internal normative documents of the unit; • Coordination of decision projects of the credit committee. Achievments. • Optimization and automation of support processes (100% automation of reporting forms, improvement of ABS mechanisms, excluding manual calculation of the reserve); • Development of processes to support new products, active participation in the development of internal regulatory documents; The winner in the nomination "The best employee of the year".

KIT Finance Investment Bank | Jul 2011 - Jul 2012

Deputy head of Loan Administration

• Preparation of credit documentation; • Initiating changes and development of a new standard documentation; • Formation, storage and control of dossier; • Assessment of credit risk and formation of the reserves; • Preparation of professional judgments about the level of credit risk; • Monitoring of conditions set by the credit committee; • Preparation of internal reporting; • Control of important transactions, the approval of decisions of the credit committee and preliminary assessment of credit risk; • Preparation of guidelines and mini regulations for internal use; • Reorganization of existing support processes. Achievments. • Participation in development and coordination of internal documents on lending; • Participation in automation of support processes; • Develop a system of operations monitoring, which resulted in decreased total errors of subdivision; • Automation of credit dossier.

KIT Finance Investment Bank | Apr 2011 - Jun 2011

Head of the Analysis and support processes unit

N/A

MDM Bank | Jan 2010 - Apr 2011

Head of Department for support of credit operations of legal entities

• Organization of work of 4 maintenance sectors; • Checking of the documents prepared under the credit transaction; • Preparation of internal reports (statistics of requests, efficiency); • Analysis of legal capacity of credit transaction participants; • Participation in working groups for the crediting processes of legal entities; • Collection of statistics on operations of the Department. Achievments. • Participation in large and complex projects (> 10) of lending entities; • Participation in the project for centralization of the accompanying units; • Acting as a speaker at the conference "Improving operational efficiency in financial institutions"; • Preparation and maintenance of the largest in the history of the Bank transaction (lending the • group of companies, that owns large shopping centers, totaling more than 2 billion euro); • Acquisition of managerial experience.

MDM Bank | Nov 2009 - Jan 2010

Head of the Department of support of credit operations

agreements, insurance and control contracts); • Making loan operations using specialized software; • Making expert judgments about the loan reserves in accordance with the instructions of the CBR and the internal regulations of the Bank; • Analysis and monitoring of the financial condition of borrowers, principals, depositors and other; • Establishing and maintaining the credit, financial and legal customer file; • Monitor and ensure the reserve of the credit portfolio; • Calculation and prediction of reserve on loans; • Increased number of accompanied transactions by 100%; • Participation in projects of high complexity (20% followed portfolio).

MDM Bank | Sep 2009 - Nov 2009

Chief expert of the Department of support of credit operations

• Analysis of legal files for the presence of the powers of persons, signing contracts on the basis of the Legislation of the Russian Federation (Civil Code, the Law on JSC, LLC, the FSUEs); • Experience in legal support of corporate lending.

Swedbank | Apr 2008 - Sep 2009

Specialist of the Department of credit and investment operations

• Accounting credit operations of individuals; • Accounting deposits of individuals; • Analysis of existing processes and administration of loan and deposit contracts, writing technical specifications for revision ABS (the "Bank XXI"), the change of internal policies. Achievments. • Automating the administration of loan agreements (the transition from individual to group accounting); • Participate in project teams to implement new ABS (T24); new investment products; • Writing internal rules on sales of investment products.

My Education

Take a look at my formal education

Economist, FinanceMEPHI | 2008

Specialist, ElectronicsMEPHI | 2008

About Me

I am passionate about credit risk management.

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