• Payment products and services development and optimization • Mobile and internet payment channels development and implementation • Creating loyalty program / Coordination of new product launches • Coordination of the projects with key internal and external stakeholders • Designing of key business requirements and financial models, P&L management

• Payment products and services designing and implementation • Business development / relationships management with key partners in finance and travel sector • Creating a lending program for the purchasing of airline tickets on credit via remote channels • Coordination of a network of sales agents (travel agencies and internet aggregators) • Working with leading POS lending banks to provide remote credit • Work with leading airlines to provide remote loan (Aeroflot, S7 and etc.) • Monitoring the implementation of sales plans, , P&L modeling • Credit business: boosting credit portfolio, support credit transactions, delinquency clients management and collection, etc.

10.2012 - 07.2014 Market and products development head • Product development for new business with top banks in Russia • Launching new products and payment services in travel, mobiles and retail sector • Developing mass prepiad card products with state owned monopolies • Creating loyalty programs for largest banks and retailers • New payment services development • Business development / relationships management with key retailers • Boosting company’s market share • Product modeling and finance results forecasting 11.2010 – 10.2012 Product consulting business leader • Analyzing top Russia/CIS/CEE banks needs and identify opportunities for new business and products • CRM solutions implementation and management • New products designing and implementation • Developing and implementing portfolio managing strategies for top Russia and CIS banks • Developing propensity models and P&L models for leading clients • Creating dashboard reporting system and business MIS

• New financial products and services development (deposit, cards, loans) • Tariffs management of new products and re-pricing of the existing product programs • Creating bank’s retail strategy and P&L models in key target market segments • Development and implementation of ATL/BTL marketing campaigns • Preparation plans and finance forecasts by key product segments (both mass and affluent segments) • CRM system implementation and management

03.2007 - 08.2010 Product and CRM Head • Responsible for the entire product marketing mix and consumer pricing • New products development, implementation of activation and usage product strategies • Segmentation and optimization of customers database, implementation of re-activation and retention programs • Product and marketing P&L models development and adjustment according actuals results • Together with marketing executing of marketing campaigns ATL/BTL including direct marketing • Managing of the remote sales channels with focus on affiliate and internet sales • Loyalty program development and implementation 05.2006 - 03.2007 Head of Marketing and Product Research Department • Creating and improving business MIS for key products and business segments • Identifying the best criteria for new products and services, testing of new product conceptions with prospects • Tracking of bank’s brand and sub-brands performance by key target segments • Monitor and report on the performance and results of ATL/BTL marketing campaigns • Key customer satisfaction and loyalty metrics tracing and management • Benchmarking and tracking of bank’s performance achievements by key business segments • Conducting and maintaining a competitive analysis in key product segments 05.2004 - 05.2006 Marketing product manager • Launching of new products and re-design of existing ones (first at Russian market credit card, Eldorado instant product, Megafon card, Miles and More Lufthansa card, Ultima super premium product, Cash-back card, Gold card, Aeroflot co-brand and others) • Creating unique product identity in mass and premium segments and establishing required product positioning • Increased credit card customers portfolios from 10,000 up to 250,000 for two years • Internals product business processes development and implementation, improving bank’s technology platform • Launching and implementation of various customer education programs • Establishing various alliances/partners programs to drive affiliate sales • Media planning including creative development, budget planning, media placement execution, production control

• Responsible for the entire product marketing mix and consumer products pricing • Launching products with improved bank’s profitability and customer’s benefits (deposits, cards, loans) • Remote and internet sales channels management • Tracking of bank’s product performance by key market segments • Monitor and report on the performance and results of ATL/BTL product campaigns

08.2002 - 08.2003 Head of Product marketing • Responsible for communication strategy and media budget planning • ATL/BTL campaigns implementation and management, new open-market customers acquisition • New consumer products development • Consumer and enterprises deposits/cards marketing product management • Brand identity and brand positioning management • Management of creative development and placement, media agencies relationships, events execution, production 02.2002 - 08.2002 Marketing Manager • Coordinate new products launch process • Developing and implementing Internet channel strategy • Coordinating relationships with marketing agencies and suppliers • Development of marketing and sales collateral, origination of the new content for the web site • Remote channel management • Project coordinator of CRM implementation process 11.2000 - 02.2002 Internet / Intranet marketing Manager • Responsible for website concepts; content creation, editing and provisioning, programming • Maintaining a competitive position against other dedicated bank’s • Internet sales channel support and development • Growing customer base through the development and implementation of internet promotions • Internet advertisement campaigns management • Minimizing customer service calls through the introduction of remote self-service tools