Mikhail Liubov

• Led a lean team of financial analysts, balancing hands-on execution with task prioritisation and quality control. • Owned financial modeling for forecasting, valuation, and strategic decision-making (DCF, scenario and sensitivity analysis). • Designed and implemented management accounting, budgeting, and cash flow forecasting frameworks. • Built automated financial models and reporting tools in Google Sheets to support planning and executive decision-making. • Developed management reporting and KPI dashboards, translating financial and operational data into actionable insights. • Supported due diligence, valuation, and market analysis projects for investment and strategic initiatives.

• Built analytical reports and dashboards for marketing, sales, customer service, and digital products to support commercial decision-making. • Automated reporting pipelines and regular data refreshes, improving data availability and monitoring efficiency. • Developed analytical models to identify key performance drivers and cause-and-effect relationships across revenue and customer metrics. • Conducted deep-dive analyses to support pricing, product, and commercial strategy decisions. • Translated complex data insights into clear, actionable recommendations for management and business stakeholders.

• Owned the finance function end-to-end in a lean fintech environment, covering financial control, FP&A, forecasting, and strategic decision support. • Led and developed a finance team (4 people), combining hands-on execution with process design and clear prioritisation. • Built and maintained financial models for budgeting, forecasting, scenario and sensitivity analysis to support executive decision-making. • Designed unit economics, pricing, and investment models to assess product profitability and growth initiatives. • Delivered cash flow forecasting, liquidity planning, and working capital optimisation to improve treasury efficiency. • Performed plan/fact, variance, and trend analysis, identifying key performance drivers and corrective actions. • Developed executive dashboards and management reporting in Power BI, translating financial data into actionable insights. • Acted as a finance partner to senior management, supporting strategic initiatives and long-term planning. • Automated financial analysis and business case models using Python (Pandas, NumPy) and advanced Google Sheets. • Ensured IFRS-compliant reporting and regulatory submissions, maintaining transparency and control without overengineering.

• Participated in the preparation of IFRS consolidated financial statements at QIWI Group level, providing analytical support and coordination with auditors. • Led the IFRS financial reporting process for the QIWI banking holding, owning timelines, data validation, and analytical review. • Managed and supervised a team of two finance specialists during the preparation of IFRS financial statements for the banking holding. • Prepared and presented Overall Analytical Review (OAR) for the banking holding, explaining key movements, trends, and variances in financial statements. • Worked closely with Big4 auditors on IFRS reporting, consolidation topics, and audit queries. • Participated in financial and analytical preparation for the company’s NASDAQ listing, including IFRS policies and reporting methodologies. • Contributed to SOX-related initiatives and internal control frameworks within a public company environment. • Collaborated with IT teams on finance process automation and reporting enhancements (1C and internal systems).

• Participated in IFRS financial audits of large companies across multiple industries, working in accordance with international auditing standards. • Performed financial and risk analysis to identify control weaknesses, compliance issues, and process inefficiencies. • Contributed to audit planning, fieldwork execution, and preparation of audit findings and management letters. • Analyzed financial statements, internal controls, and accounting policies, providing recommendations for improvement. • Advised clients on accounting treatment, financial controls, and process enhancements in coordination with senior audit team members.