Kirill Astakhov

Product Director| Fintech & E-commerce lending @ MTS Group

About

Product Director driving strategic product development in Fintech and E-commerce with a customer base of 38M+. Launched flagship initiatives and product platforms included in the company’s IPO roadmap, creating new revenue streams and sustainable growth points. Built new product verticals from scratch, leading full-cycle development from strategy and business model definition to scaling into Business as Usual. Managed end-to-end delivery of ecosystem and partner solutions (BNPL, digital lending, payment methods, E-commerce integrations, loyalty programs). I build strong cross-functional teams, establish operating models and processes, and manage full P&L ownership. Worked across large-scale B2C and B2B products, developing CVM, customer journey, engagement and monetization models. Core expertise: • Launching and scaling strategic initiatives, shaping business models and building new product verticals. • Developing ecosystem and partner solutions across B2C and B2B, driving customer growth and monetization. • Managing the full customer lifecycle and developing loyalty programs. • Building and scaling teams from scratch to 100+ people, establishing cross-functional structures and P&L ownership. • Product transformation and scaling initiatives into BAU across multi-entity organizations. Skills: Product strategy & Portfolio management, Product development, E-commerce & Ecosystem growth, Monetization & Revenue models, Leadership & Building processes and culture, Technical solutions & Development processes Contacts: Telegram: Ast_K EMail: iastakhov.k@gmail.com

Country

City

Russia

Industry

Information Technology & Services

Skill

Product Strategy, FinTech, E-Commerce, Business Growth, Ecosystem Development, Buy Now Pay Later, Monetization Strategy, B2C Product Management, B2B Product Management, Customer Loyalty Management, Customer Lifecycle Management, Go-to-Market Strategy, Digital Transformation, Team Building & Leadership, Product Strategy & Portfolio Management, Product Development, E-commerce & Ecosystem Growth, Monetization & Revenue Models, Leadership, Product Management

Experience

Product Director| Fintech & E-commerce lending

MTS Group

2023-12 - 2025-12 · 2 yrs 1 mo

Build a new customer acquisition channel and launch the bank’s flagship lending product integrated into the MTS ecosystem. Key results: • Initiated and launched a new BNPL service “MTS Flex” with a customer base of 38M users. • Built a scalable fintech white-label platform for E-commerce partners such as Wildberries, CDEK and etc. • Implemented a X-sell model across product lines and channels using CVM segmentation. • Designed the credit-limit platform and implemented decision-making algorithms. • Built a product direction from scratch: five cross-functional teams, internal structure and operational model. • Managed two legal entities (LLC and MFC) overseeing funding, capitalization, and operational model.

Lead Product Manager | Loyalty program

AliExpress CIS

2023-4 - 2023-12 · 9 mos

Led the transformation of loyalty and retention strategy across AliExpress Russia, driving customer engagement and sales promotion. • Rebuilt and relaunched the loyalty program with a focus on personalized rewards and platform engagement. • Introduced marketing and payment loyalty tools, boosting retention and transactional frequency. • Created B2B loyalty programs for merchants to increase engagement and sales activity. • Collaborated with cross-border product, finance, and marketing teams across Russia and China to align local strategy with global vision. Focus: customer retention, GMV growth, and data-driven ecosystem products.

Product Manager | Loyalty program

Alfa-Bank

2021-12 - 2023-4 · 1 yr 5 mos

Developed and scaled digital loyalty products and partnership programs, driving customer engagement and transaction growth. • Expanded the retail loyalty platform with new B2B2C solutions. • Developed cashback models through national payment systems and retail partners. • Lead partnership integrations and improved user experience for millions of active customers. Focus: partnership ecosystem, customer engagement, and revenue growth.

Product Manager | Loans Online

Home Bank

2019-10 - 2021-12 · 2 yrs 3 mos

Developed consumer lending solutions for e-commerce partners, enabling online financing and embedded lending models. • Built partnerships with major marketplaces and digital platforms. • Designed flexible lending mechanics for retail and SME segments. • Enhanced partner integrations and customer acquisition channels. Focus: digital lending, e-commerce integration, and market growth.