Ivan Grigorev

At Human Fintech, I was responsible for the strategic preparation and launch of international fintech projects for the group’s investment initiatives. Within these programs, I systematically tested lending and payment hypotheses with a focus on emerging markets. Responsibilities: - Market analysis and competitive landscape assessment. - Regulatory strategy and licensing. - Financial modeling, hypothesis testing, and unit economics. - Design of IT architecture and risk engines. - Preparation of investment presentations and decision packages. - Building local teams and partner ecosystems. Achievements: ✓ Analyzed four markets: India, Malaysia, Peru, and Sri Lanka. ✓ Built financial models with IRRs of 30–60% across multiple scenarios. ✓ Prepared TAM / SAM / SOM assessments for investment committees. ✓ Designed a payment solution, including the use of stablecoins under a custodial license. ✓ Developed an MVP platform for rapid launch and scaling in Sri Lanka.

At Finstar, I led end-to-end development of secured and unsecured lending businesses in Vietnam and Sri Lanka - covering regulation, product, marketing, risk, IT, and financial performance. Responsibilities: - Developing strategy and launching new lending businesses - Owning P&L and key unit-economics metrics - Defining requirements and building IT infrastructure - Monitoring risk indicators: limits, antifraud, scoring, and collections - Managing operational teams: customer support, back office, HR, and legal - Driving product initiatives: pilots, marketing programs, and new growth directions Achievements: ✓ Launched a new-to-market online product with an active portfolio of $300k. ✓ Brought repeat customers to a sustainable profitable surplus. ✓ Reduced credit losses through pilot iterations: NPL -5-7 pp. ✓ Delivered net profit growth to planned targets. ✓ Increased average ticket size, improved LTV, and reduced CAC to target levels. ✓ Built BI management frameworks for the portfolio: DPD, ROI, margin, and sales funnel. In addition to core responsibilities, contributed to the design of a P2P lending platform architecture within Vietnam’s regulatory sandbox, collaborated with a secured-lending project in the Philippines, and analyzed deposit-based financing models for suppliers of major retail chains. Regularly initiated improvements to key processes across the core group.

At Hayman Capital, I launched a pilot SME lending project in Vietnam in partnership with local banks and e-commerce marketplaces. Responsibilities: - Developing the SME lending product concept and bringing it to market. - Designing, building, and launching the IT platform. - Shaping product strategy and testing hypotheses. - Integrations with banks and partner ecosystems. - Owning P&L and unit-economics metrics. Achievements: ✓ Built the IT platform on Jmix, saving the investor $185k. ✓ Ran product pilots and reduced time-to-market to one month. ✓ Increased loan volumes by 200% through marketplace integrations. ✓ Reduced investment risk through diversification of banking partners.

At Eqvanta, I led the launch and development of a consumer lending business in Vietnam. Responsibilities: - Building and managing a technical team of 15+ specialists. - Cross-functional coordination across risk, infrastructure, HR, finance, and the Vietnam operations office. - Leading development of the core lending IT platform. - Integrations with payment systems, communication channels, affiliates, scoring and antifraud providers. - Implementing backup ERP systems to improve operational resilience. - Ensuring a baseline level of information security. - Managing requirements, backlog, OKRs, and the product roadmap. - Optimizing portfolio unit economics. - Financial oversight of CAPEX / OPEX and accounting reconciliation. Achievements: ✓ Enabled fully remote loan issuance during COVID-19. ✓ Scaled the portfolio to $2M and brought the business to breakeven. ✓ Reduced application processing time to one minute. ✓ Improved FPD and NPL metrics through antifraud initiatives. ✓ Optimized product strategy, increasing profitability by 25%. ✓ Implemented cascading scoring models, driving higher approval rates and larger average ticket sizes. ✓ Designed a scalable multi-country architecture without proportional cost growth.

At International Credit Center, I supported of the technical function for a microfinance company operating in the migrant-worker lending segment in Russia. Responsibilities: - Working with requirements from operational teams: customer support, marketing, and collections. - Managing IT development of the Brainysoft lending platform. - Integrations with external partners: affiliates, antifraud providers, card processors, and credit bureaus. - Ensuring compliance with regulatory requirements and supporting regulatory audits. - Managing SLA, technical support, and business continuity. Achievements: ✓ Launched card disbursements via Zolotaya Korona, increasing LTV by 10%. ✓ Successfully passed Central Bank of Russia inspections with no findings. ✓ Reduced support workload through automation initiatives. ✓ Maintained IT platform stability after team restructuring. ✓ Reduced NPL to target levels through additional data-source integrations.

I launched and scaled custom international IT projects for U.S. clients, managing the full delivery lifecycle from presales to production operations. Responsibilities: - Managing the full project lifecycle: presales, requirements gathering, delivery, and post-launch support. - Leading cross-functional teams (10+ people): frontend/backend, UX/UI, QA, DevOps, design, and SEO. - Translating business and technical requirements into SRS documents, API documentation, architecture diagrams, and prototypes. - Integrations with external services, payment systems, ERP/CRM platforms, and data-flow design. - Organizing testing processes, CI/CD pipelines, and technical support. Achievements: ✓ Delivered VR applications for HTC Vive, Oculus Rift, iOS, and Android, enabling a U.S.-based client to become a leader in its niche. ✓ Built a Digital Signage platform with real-time content management and deep API integrations. ✓ Implemented an ERP system for a brewery, automating warehouse operations, procurement, and production workflows. ✓ Delivered approximately 30 websites and three mobile applications for various clients.