Fractional CPO / Product Operating Model Advisor

Dmitry Markosyants

Product executive helping companies turn complex ideas into shipped digital products, high-performing product teams and measurable business outcomes.

Profile

Product leadership for complex digital products and teams.

My large-scale fintech, banking and platform experience is the proof base. The work itself is broader: creating products, shaping product strategy, designing customer journeys and building teams that can ship. When needed, I also advise deeply on payments, acquiring, embedded finance and banking transformation.

What I Help With

Product Strategy & Roadmaps

Turning ambiguous business goals into product strategy, discovery, MVP scope, roadmap priorities and measurable product outcomes.

Product Teams

Building flexible product teams, product operating models, squad roles, rituals, backlog governance and cross-functional delivery.

Digital Journeys & Onboarding

Customer journeys for individuals and businesses, activation funnels, KYC/KYB onboarding, product discovery and conversion improvement.

Fintech & Payments Domain Advisory

Practical advisory in payments, acquiring, embedded finance, B2C/B2B banking products and AI-enabled banking transformation.

Selected Proof Points

Product leadership methods proven in complex, regulated and high-scale environments.

  • Built and scaled products from zero to national-level adoption.
  • Led product strategy across ambiguous, regulated and multi-stakeholder environments.
  • Built product operating rhythms connecting business, technology, operations and compliance.
  • Designed digital journeys for retail customers and business clients across payments, accounts and onboarding.
  • Launched acquiring and payment products from scratch and moved them from MVP to merchant adoption.
  • Redesigned business account onboarding and scaled B2B transaction banking products.

Experience Highlights

2025 - Present

OTP Bank Russia

Director, AI and Process Efficiency for banking transformation.

2024 - 2025

Ozon Fintech

Head of B2B Transaction Banking, including acquiring and business accounts.

2023 - 2024

Wildberries

Head of Fintech, building financial product capabilities inside a digital commerce platform.

2014 - 2023

NSPK

Executive roles in national payment infrastructure and real-time payments.

Advisory Boundary

Practical, senior and compliance-safe.

External advisory and fractional work is based on public-domain expertise, personal experience and general operating frameworks. I do not share confidential employer information, non-public strategy, internal data or vendor-specific terms.