Raivis Ruskulis

Country Manager at TWINO
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Location
Gurugram, Haryana, India, IN

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Experience

    • Latvia
    • Financial Services
    • 1 - 100 Employee
    • Country Manager
      • Sep 2021 - Present

      Responsible for TWINO FinTech successful business launch and sustainable development in India market. Responsible for TWINO FinTech successful business launch and sustainable development in India market.

    • Australia
    • Leasing Real Estate
    • 1 - 100 Employee
    • CEO
      • Jul 2019 - Aug 2021

      Responsible for Aventus Group FinTech business launch and sustainable successful development in new markets, Sri Lanka (under brand cashx.lk), India (lendplus.in), Kenya (lendplus.ke). Responsible for Aventus Group FinTech business launch and sustainable successful development in new markets, Sri Lanka (under brand cashx.lk), India (lendplus.in), Kenya (lendplus.ke).

    • Latvia
    • Financial Services
    • 1 - 100 Employee
    • CEO
      • Mar 2017 - Dec 2018

      Aizdevums.lv is a non-bank consumer credit company that had received permanent license from Consumer Rights Protection Centre for provision of consumer loans for private customers as well as legal entities. One of the leading companies in Latvia market. Aizdevums.lv Ltd. was founded in 1999 (till 2009 the name of the Company was Nelss Līzings). In 2008 Swedish financial holding Marginalen AB became the owner of the Company. Aizdevums.lv is a non-bank consumer credit company that had received permanent license from Consumer Rights Protection Centre for provision of consumer loans for private customers as well as legal entities. One of the leading companies in Latvia market. Aizdevums.lv Ltd. was founded in 1999 (till 2009 the name of the Company was Nelss Līzings). In 2008 Swedish financial holding Marginalen AB became the owner of the Company.

    • Latvia
    • Financial Services
    • 1 - 100 Employee
    • Senior Vice President
      • Sep 2015 - Jan 2016

      Responsibility for Norvik Banka Latvia business development – Retail and Corporate customers.

    • Member of the Board
      • Dec 2013 - Sep 2015

      Responsibility for Corporate and Non resident departments.Considerable increase of Corporate and Non resident business volumes. Gained an extensive experience and knowledge in wealthy clients from Baltic and CIS countries servicing who are interested in private financial decisions and personal approach. Attract and prove them we are the most professional, reliable financial partner and expert in the management of both private wealth and corporate finances.Product and process improvement, development. Member of the Credit, AML Committees.

    • Vice President
      • Aug 2013 - Dec 2013

      Responsibility for Corporate department.Corporate department included Customer managers, Trade finance, Trust units. Managed bank clients relationship and loan portfolio through the bank recovery period.

    • CFO
      • Mar 2013 - Aug 2013

      Develop regular reporting and analyses, ensure financial management reporting tools and processes are in place to support the ongoing and future needs of the business. Leading the annual business plan development and budgeting process. Manage ongoing banking relationships for maximum efficiency ensuring optimal deployment of resources to achieve business goals. Develop cash flow forecasting and maintain a long term cash forecast. Develop regular reporting and analyses, ensure financial management reporting tools and processes are in place to support the ongoing and future needs of the business. Leading the annual business plan development and budgeting process. Manage ongoing banking relationships for maximum efficiency ensuring optimal deployment of resources to achieve business goals. Develop cash flow forecasting and maintain a long term cash forecast.

    • Deputy Head of Large Corporate Department
      • Feb 2011 - Dec 2012

      Building up and managing team, strategic leadership for areas – relationship management – building up large, middle companies client base and institutions, managed bank’s client relationships and own lending portfolio. Building up and managing team, strategic leadership for areas – relationship management – building up large, middle companies client base and institutions, managed bank’s client relationships and own lending portfolio.

    • Latvia
    • Financial Services
    • 1 - 100 Employee
    • Head of GTS Global transaction services
      • Apr 2009 - Feb 2011

      GTS department consisted of the following units cash management, trade finance, custody, product development and SEB leasing and factoring.Managed bank’s as well SEB leasing clients relationship and leasing portfolio through severe economic downturn. Gained extensive experience and knowledge in leasing portfolio restructuring, improved customer knowledge in cash management, trade finance, custody products.Acted as a leader in several steering committees within the organization – SEB leasing and factoring company integration in the bank’s structure, product and process improvement in cash management, trade finance, custody. Member of the Credit Committees.

    • Branch manager of Latvia subsidiary
      • Apr 2008 - Apr 2009

      UniCredit Bank Latvia Branch strategic leadership for areas - relationship management - companies and private persons, trade finance, cash management, corporate finance. Building up and managing team, developing and implementation of bank strategy, budgets, products and service level. Member of the Credit Committees. UniCredit Bank Latvia Branch strategic leadership for areas - relationship management - companies and private persons, trade finance, cash management, corporate finance. Building up and managing team, developing and implementation of bank strategy, budgets, products and service level. Member of the Credit Committees.

    • Head of Industrial Companies Unit
      • Jan 2006 - Apr 2008

      Responsible for Industrial Companies unit business results achievements according to the set up budget, relationships with bank large corporate, leading the team. Member of the Credit Committees.

    • Director
      • Feb 2001 - Jan 2006

      Managing of own portfolio, client relationships and product sales for Corporate Banking Clients. Member of the Credit Committees.

Education

  • University of Latvia
    Master of Business administration, Faculty of Economics
    1998 - 2000
  • University of Rural Economy of Latvia
    Bachelor of Economics, Faculty of Economics
    1993 - 1997

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