OTP Bank Russia
Director, AI & Process Efficiency. Built an enterprise AI and process-transformation practice focused on process economics, operating KPIs, scalability and execution governance.
Product & Transformation Executive · Fintech · Banking · Enterprise AI
Product leadership for complex financial and technology businesses
I build and lead complex product and transformation agendas where product strategy, domain expertise and operating change must become one working system.
20+ years of proof National payments, marketplace fintech, transaction banking, enterprise AI and process transformation.
Built the Faster Payments System (SBP) from zero
Led marketplace fintech
Built B2B banking products
Built an enterprise AI practice
Selected experience
Career highlights
Ozon Fintech
Head of B2B Transaction Banking. Built business accounts, merchant acquiring and payment-linked services for an active commerce ecosystem.
Wildberries
Head of Fintech. Built core financial-product capabilities inside one of the largest marketplace ecosystems in the region.
National Payment Card System
Built the Faster Payments System (SBP) from zero and led its market adoption, then expanded payment infrastructure into everyday merchant and C2B use cases.
Some earlier public references and speaking appearances related to the Faster Payments System (SBP) and Wildberries appear under my former surname, Kolesnikov.
Ways to work together
Senior contribution around a clear mandate
My core work is executive leadership. I also consider selected project, advisory and speaking engagements where my experience is directly relevant.
I work with banks, fintechs, technology vendors and leadership teams across international and multi-market contexts.
Executive leadership
Building and leading product, AI, fintech and transformation agendas in complex organizations.
View experienceProject product leadership
Senior product and banking expertise for international vendor projects, pilots and client work.
Discuss a project roleAdvisory & speaking
Focused senior input for consequential decisions, leadership teams and professional audiences.
Problems I help solve
Clear scope, tangible output, senior involvement
01
Product strategy & operating model
- Typical problem
- Strategy, roadmaps, decision rights and delivery rhythm no longer connect.
- Format
- Executive review, diagnostic or focused advisory sprint.
- Output
- Decision map, operating-model options, governance and next-step plan.
02
Enterprise AI strategy & adoption
- Typical problem
- A portfolio of promising use cases is stuck between demos, risk review and scale.
- Format
- Portfolio review, leadership briefing or operating-model workshop.
- Output
- Prioritization logic, ownership model, governance questions and adoption plan.
03
Process transformation & efficiency
- Typical problem
- Automation is being added to a process whose handoffs, controls or measures remain unclear.
- Format
- Process review, working session or executive diagnostic.
- Output
- Issue map, redesign hypotheses, control questions and measurable outcome frame.
04
Banking, fintech & payments
- Typical problem
- A payment, acquiring, account or platform-fintech capability needs adoption and commercial logic.
- Format
- Expert review, market/product working session or advisory sprint.
- Output
- Product options, ecosystem dependencies, journey and operating implications.
05
Executive review, briefing or workshop
- Typical problem
- Leaders need a common fact base and a decision, not a generic presentation.
- Format
- 90-minute review, half-day working session or tailored briefing.
- Output
- Shared framing, explicit trade-offs, decisions and accountable next steps.