Pavel Kartoshkin

Sberbank is the leading fintech and digital bank in Central and Eastern Europe, ranks 74th globally with over 112 million customers and the 2nd largest card acquirer worldwide (The Nilson Report) • Led finance data products amid migration from legacy systems to cloud platform solutions, focusing on Card Transactions Domain, handling 46 bn transactions annually and Corporate Accounts Domain, supporting reliable financial reporting • Ensured data consistency and completeness across replicas from diverse data sources in the data warehouse, supporting accurate and compliant regulatory financial reporting • Managed and executed the phased replacement of vendor solutions, enhancing overall operational efficiency and availability. Collaborated with 10 cross-functional teams, data engineers, scientists, RTEs, technical and non-technical stakeholders • Defined OKRs, monitored and ensured adherence to approved key product metrics, roadmaps, budgets, architectural and regulatory compliance

Sberbank is the leading fintech and digital bank in Central and Eastern Europe, ranked 74th globally with over 112 million customers, and the world’s 2nd-largest acquirer (The Nilson Report) As a Product owner, built 0-to-1 and launched from scratch desktop and web B2C & B2B2C products for card operations within payment terminals, ATMs, self-service device ecosystem, to transform them into omnichannel branch (largest ATM fleet in US and Europe, top-5 worldwide). • Elevated uptime by 15% by deploying microservices for real-time card transaction monitoring, hardware and firmware statuses in ATMs, and ML models for predictive failure analysis • Improved speed of operations by 30% by running A/B tests and conducting Jobs-to-be-Done (JTBD) interviews • Increased transaction success rate by 15% by implementing intelligent reprocessing and rerouting of failed transactions • Implemented new cash flow forecasting and logistics models in collaboration with ML engineers • Reduced ATM acquiring dispute resolution time by 45% and the reconciliation cost by 30% by building APIs with core back-office banking systems and synchronizing transaction data flow with the card processor • Led a team of 6 (Front, Back, QA, BA, UI/UX). Worked closely with the Data Science team to formulate and test hypotheses. Coordinated more than 20 cross-functional teams, launched R&D with partners from South Korea • Drove full integration testing, UAT, and C-level feature demos; directed rollout across 70K+ devices and payment terminals in multiple time zones and regions (CIS, Eastern Europe)

Performed technology transformation and omnichannel branch in the self-service devices (SSD) division of the Retail business: • Developed and executed a digital transformation program and strategy across a multi-functional IT division, integrating new technologies and agile frameworks to modernize operations, improve customer experience, and deliver measurable business outcomes • Analysed and implemented changes in the IT-landscape to align with the target state and execute the bank's strategy towards legacy systems decommissioning. Led the transitioning to an event-driven data streaming approach, microservice architecture, implementing target desktop and web applications for self-service devices, payment terminals and ATM acquiring with MAU 64m users, and Kafka for SSD data domain, transition to the ISO 8583 protocol, REST APIs etc. Ensured compliance with the payment industry standards, PCI DSS, 3DS, ISO. • Developed and presented to the Board and Architectural Committee the roadmap, while working in cooperation with Architects, Stakeholders and Tech Leads • Executed process reengineering and optimisation initiatives and reduced time-to-market by 3x by implementing CI/CD and Agile Release Trains