Polina V.

FINTECH/MFO. Malaysia. Brand SAKU WANG 1. Launch and scaling of a fully digital online lending brand in Malaysia 2. Executive management of a microfinance business from setup to operational maturity. 3. Profit-driven strategy focused on unit economics, margin expansion, and cost optimization. 4. End-to-end digital operations, process automation, and governance built-out. 5. Financial control, portfolio quality oversight, and credit risk management. 6. Financial and operational diagnostics with execution of performance improvement initiatives. 7. Strategic coordination with HQ, regulatory compliance’s and Board-level reporting.

FINTECH/MFO/PDL. Sri Lanka. Brand CashX 1. Management of a microcredit organization in Sri Lanka, relocation to Colombo. 2. Development of a business strategy to increase profits and reduce costs in the company. 3. Organization of the smooth functioning of the business. 4. Financial control. 5. Analysis of the financial and economic condition of the company, analysis of existing business processes. Development and implementation of changes in the company. 6. Coordination of the company's work in accordance with the necessary requirements from HQ Aventus Group.

FINTECH/MFO/PDL. Sri Lanka. Brand LoanPlus 1. Launch of a new PDL brand in Sri Lanka 2. Management of a microcredit organization in Sri Lanka. 3. Development of a business strategy to increase profits and reduce costs in the company. 4. Organization of the smooth functioning of the business. 5. Financial control. 6. Analysis of the financial and economic condition of the company, analysis of existing business processes. Development and implementation of changes in the company. 7. Coordination of the company's work in accordance with the necessary requirements from with HQ Aventus Group.

Head of Project Management 1. Management and coordination of the company's projects, quality control of the development and implementation of projects. 2. Ensured all projects provided a high level of customer satisfaction. 3. Focused on the project needs of customers for effective implementation in the agreed period. 4. Development of a methodology to assess the cost of projects, considering the analysis of possible risks. 5. Development of a project management system and standardization of project documentation within the quality system in accordance with the requirements of international standards. Achievements: 1. Successful implementation of the DigitalBank Remote Banking System for individuals in a large bank in Kyrgyzstan. 2. Coordination of the company's Scrum Project Management.

1. Maintenance of the Loyalty Program, budget formation and control. 2. Monitoring of the company’s long-term strategy under the Loyalty Program. 3. Improved data collection and automation of Loyalty Program business processes in the CRM. 4. Monitoring and analysis of key performance indicators of the Loyalty Program. 5. Creation of a Data Warehouse (DWH) on the company’s client base, creation of requirements to the DWH reporting system and description of the report structure. 6. Development and control of anti-fraud rules against external and internal client’s actions. Achievements: 1. Automation and optimization of Loyalty business processes. 2. Refinement and development of the CRM database in the company to optimize the efficiency of data collection of clients and provide transparent information on bonuses to clients. 3. Increased the number of loyal clients by two in four years. 4. Increased the average check of a loyal customer by 50%. 5. Automation of marketing actions in online and retail shops – called "cascade discounts", "increased bonuses", "cashback %". Development of a marketing and design tool for categorical managers.

1. Development of a credit risk assessment methodology, comprehensive analysis of the quality of the Bank’s loan portfolio. 2. Regular reporting on risk indicators. 3. Development and implementation of risk prevention and minimization measures. 4. Development of anti-fraud regulations. 5. Monitoring the effectiveness of existing scoring models. Achievements: 1. Development and automation of retail credit management reporting. 2. Construction and implementation of the scoring model for the Bank’s POS-lending. 3. Construction and implementation of the scoring model for the Bank’s PIL-lending.

1. Development and implementation of the company's strategy and business plans in coordination with the Top Management team. 2. Preparation of business improvement activities aimed at increasing profits and expanding the customer base. 3. Coordination of project management of the company, ensuring the successful execution of business plans within our department. 4. Control over the maintenance of project documentation in accordance with the regulatory documents of the Republic of Kazakhstan and the internal regulations of the Company. 5. Development of a department management system within the quality system in accordance with the requirements of international standards ISO 9001.