Experience

FINFOR
• South Africa
• 1 - 100 Employee
• CEO & Founder

  • Aug 2023 - Present


JO1N

• United Kingdom
• Financial Services
• 1 - 100 Employee

• CEO & Co-Founder

  • Feb 2022 - Jul 2023

  JO1N is Fintech platform that helps Merchants to increase conversion and helps Banks to lead on Fintech playground. JO1N is Fintech platform that helps Merchants to increase conversion and helps Banks to lead on Fintech playground.



Bigbank

• Estonia
• Banking
• 200 - 300 Employee

• Head of Bigbank Latvia

  • Feb 2018 - Jan 2022

  Bigbank Latvia TOP1 bank in Latvia in Consumer lending by having 21% share in Consumer lending market. • In 2019 and 2020 most profitable bank in Latvia by CIR (34%) and net profit per one employee • Increased profit by 32% for Y2018, reaching all time historical record of 9,2 MEUR • New profit records reached in Y2019 by achieving new all time historical record of 11,5 MEUR • Modified product offering, which resulted in sales increase by 43%, obtaining 21% of the market • New sales highs reached in Y2020 reaching all time historical record • Very successful launch of Corporate loan segment and continues YoY increase by 157% • Decreased APR by 33% within 2 years simultaneously increasing sales, quality and net profit • Developed and implemented new banking IT system (ABO, BBO, FBO, Decision) on time • Improved loan portfolio quality by reducing NPL share from 16% in 2018 to 4,3% in 2020 Show less



Prestamos Prima Group

• Spain
• Financial Services
• 1 - 100 Employee

• Group CFO/ Member of the Board

  • 2017 - Feb 2018

  PRESTAMOS PRIMA (Finstar group) – one of the leading Fintech companies in Spain providing secured and unsecured loans to individuals along with attraction of investments via P2P platform. Finance and risk management of the Group (8 entities) • Managed group's (8 entities) finances, reporting, budgeting, risks • Made restructuring, cost cutting and liquidation unprofitable operations • Responsible for Risk department and risk management • Implemented Credit policy and Scoring model lead to bad debts decrease from 43% to 21% • Implemented management reporting, cash-flow management and risk evaluation systems Show less



Twinero

• Spain
• Financial Services
• 1 - 100 Employee

• CEO / Chairman of the Board

  • 2017 - Feb 2018

  TWINERO (Finstar group) - one of leading consumer lenders in Spain providing unsecured Single payment and Line of Credit loans. Strategic and operational management. • Managed Marketing, Customer support, Product Development, IT, HR • Developed and successfully launched new product – Line of Credit • Improved operational results by reducing losses for FY2017 by 6 times (+720%) • Reduced operational costs by 43% in FY2017 vs FY2016 • Ensured 17% to 35% improvement for various KPI’s (CTI; LEAD; NPL; PD, EBITDA) Show less



VIA SMS Group

• Latvia
• Financial Services
• 1 - 100 Employee

• Group CFO

  • 2012 - 2016

  VIA SMS Group - Fintech with operations in 6 countries providing lending and investment services Operational and strategic financial management. • Management of group's (6 countries, 8 entities) finances, reporting, budgeting, risks • Very deeply involved in Due diligence of attraction of strategic investor • Development of different policies, procedures, controls and KPI's • Implementation of IFRS reporting and bond listing on NASDAQ • Local & international tax optimization and implementation of advance tax structures Show less



Eventus Capital

• Canada
• Capital Markets

• Interim CEO

  • 2008 - 2012

  EVENTUS CAPITAL - investment bank specializing in Restructuring and M&A Interim CEO of customer's insolvent companies, their restructuring and crisis management. • Work at company's location and remotely depending on company • Business restructuring and crisis management with aim to save business and assets • Restore of positive cash-flow, decrease of losses and rise of fresh money • Negotiations and secured and unsecured creditors, discount of claims up to 70% • Implementation of new strategy, sharp cost cutting, optimization of functions and processes Show less



Elvi Group Ltd.

• Latvia
• Retail
• 1 - 100 Employee

• CEO / Member of the Board

  • 2007 - 2008

  ELVI - Leading retailer in Latvia of local origination. Strategic and operational management of HQ company ELVI group and franchise network. • Restructuring of company's core businesses - franchise, wholesale and retail • Development of Investment (opening of new stores) evaluation and execution system • Implementation of cost per unit based wholesale and logistics (storage, tracking, delivery) • Development and implementation of new budgeting and management reporting systems • Increase of profitability of stores and wholesale, increase of franchise effectiveness Show less



Biznesa augstskola Turība | Turiba University

• CFO

  • 2004 - 2007

  TURĪBA - Leading private university in Latvia. Operational and strategic financial management. Member of Strategy Development team. • Financial and cash flow management, planning and control of budget and investments • Development and implementation of new budgeting and management reporting systems • Business risk control, development of main policies, procedures and controls • Implementation of ABC costing along with Business intelligence tool TURĪBA - Leading private university in Latvia. Operational and strategic financial management. Member of Strategy Development team. • Financial and cash flow management, planning and control of budget and investments • Development and implementation of new budgeting and management reporting systems • Business risk control, development of main policies, procedures and controls • Implementation of ABC costing along with Business intelligence tool



Diena

• Latvia
• Media Production
• 1 - 100 Employee

• Senior Internal Auditor

  • 2001 - 2004

  AS DIENA - Leading Media enterprise in Latvia at that time. Audit of different type of internal and external business processes, recommendations of increase of efficiency and decrease of risks. • Audit, analysis and optimisation of business processes • Identification, analysis and prevention of business and financial risks • Complex audits of subsidiaries AS DIENA - Leading Media enterprise in Latvia at that time. Audit of different type of internal and external business processes, recommendations of increase of efficiency and decrease of risks. • Audit, analysis and optimisation of business processes • Identification, analysis and prevention of business and financial risks • Complex audits of subsidiaries



EY

• Entertainment Providers
• 1 - 100 Employee

• Auditor

  • 1999 - 2001

  Started in ARTHUR ANDERSEN and continued in ERNST & YOUNG BALTIC after merge. Audit and audit related services such as annual statement audit, limited reviews, agreed upon procedures. Client's in industries such as banking, telecommunications, transit. • Execution of audit projects • Review and improvement of client’s internal controls • Preparation of annual reports, consolidated reports accordingly to local GAPP and IFRS Started in ARTHUR ANDERSEN and continued in ERNST & YOUNG BALTIC after merge. Audit and audit related services such as annual statement audit, limited reviews, agreed upon procedures. Client's in industries such as banking, telecommunications, transit. • Execution of audit projects • Review and improvement of client’s internal controls • Preparation of annual reports, consolidated reports accordingly to local GAPP and IFRS