PROFESSIONAL EXPERIENCE

2011 - current Russian Agricultural Bank Russia

One of the largest banks in Russia (top-10). Assets - US$55.4bln, number of employees –
31,000

Executive director, promoted 3 times in during 6 years

Problem loans department

• Determine appropriate recovery strategy (debt restructuring, liquidation, debt recovery,

contract of assignment or others) in order to minimize losses on Bank’s P&L and provisions.

• Analyze financial statement and expected cash flow of corporate clients (debt US$16m or
more) and explore whether it is viable the viability of restructuring the credit, including possibility by
providing additional finance, in order to improve the borrower’s financial position

• Assist Relationship manager in portfolio management, analytical data and debt workout

• Explore the quality of collateral in order to determine possible inflows from collateral
recovery, enforcement of guarantees and collection or possible discounts that may be used in
contract of assignment

• Prepare reports/memos about debt restructuring/workout or collection and other

opportunities with data modeling and risk analytic? risk analysis

• Create or correct future cash flow prepared by consultant /client in order to assess the
capability of generating durable margins and cash flows

• Coordinate with other departments before submitting to the Loan committee

• Monthly update and maintain client files

• Implement corporate and financial monitoring for entire credit portfolio (more than
US$150m in 2018Y corporate clients including holdings), including determining the adequacy of
provisions and reserves

• Manage work with problem loans in regional divisions (currently work with 5 divisions) and
coordinate their work

• Was awarded “The best employee of the year in Department” of 2012

2010 - 2011 Bank VTB Russia

Specialist

Corporate banking

• Conducted financial analysis, trend and ratio analysis on different industries and markets in
Russia

• Analyzed financial information, such as statements, management accounts and cash flow
statements to determine creditworthiness

• Prepared reports that included the degree of risk involved in extending credit or lending
money
• Assessed financial position of the current borrowers on early stages in order to minimize
their credit risks

• Gathered background data from all departments and submitted to Loan committee

EDUCATION

2006 - 2011 Financial University under the Government of the Russian Federation

Russia

Certified Specialist in Accounting, Analysis and Audit, Diploma with honors

LANGUAGES : Russian (Native), English (Fluent)

OTHER EXPERIENCE

2010 VTB Bank, Financial analyst (Internship – 1 month) Russia

• Perform financial analysis

2009 Student council of Financial University, Non-Profit Organization, Project leader Russia

• Looked Was looking for sponsors to organize events for more than 100 students

• Created “academy of success” where CFOs of corporations were invited who told to tell us
their secrets of success

PERSONAL INTERESTS

• Travelling: adore travelling to Asian countries, learning Korean language

• Dancing: Cuban salsa

PERSONAL QUALITIES

• Responsible, reliable and strongly committed to the task. Strong analytical skills.
Quick learner. Open-minded. Good Interpersonal and communication skills. Good team player and
able to work individually.