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Summary

Hi, I am a hands-on product leader with a proven track record of building and scaling digital and FinTech solutions across multiple geographies.

I am a mission and result-driven manager who likes to thrive at the intersection of fast-paced entrepreneurial culture, customer centricity and solving real problem with actual impact. 

Work Experience

Fingular

March 2024Present

CPO of BNPL (AhaPay)

Achievements

  • Scaled BNPL platform and grew the business. Grew the customer base by ~90% on average and achieved a 300 % peak increase by launching an API that enabled key accounts to integrate the platform. Delivered a $2 M monthly turnover through competitive BNPL features tailored to Malaysian consumers.

  • Boosted monetization through cross‑sell. Developed a cross‑sell mechanism connecting BNPL users with loan products, resulting in a 240 % increase in customer monetization.

  • Contributed to optimize risk and retention. Achieved an 85 % loan approval rate by deploying advanced scoring models and lifted customer retention to 18 % through continuous user‑centric improvements.

  • Built and led a high‑performing team. Managed 23 product & engineering professionals, doubled the team’s time‑to‑market and improved product quality while maintaining 97 % team satisfaction across three consecutive quarters.

  • Introduced AI‑driven prototyping. Implemented an AI‑powered prototyping process that reduced alignment time five‑fold and cut time‑to‑ready‑for‑development by three‑fold, improving stakeholder understanding and delivery cadence.

  • Captured market share and ensured profitability. Gained 8 % market share as a BNPL provider in Malaysia and reached break‑even by December 2025.

Key responsibilities

  • Market research
  • Product vision and strategy
  • Building product and engineering team
  • People management
  • Leading cross-functional activities
  • Managing product discovery team
  • Managing product delivery teams
  • Building a sustainable team to deliver the cross-platform experience of BNPL
  • Leading UX across BNPL product line
  • Optimizing agile product development processes
  • Contributing towards building a Neobank

Plat education

May 2023Nov 2024

CPO and Co-founder

Achievements

  • Designed the product vision and strategy for a webinar‑based EdTech platform with BNPL payment options.

  • Launched 7 webinars with up to 1 250 attendees and signed 9 paying clients before pausing the project due to funding constraints.

  • Designed and developed platform to create, broadcast and engage with customers over webinar room with ability to pay with BNPL for course/expertise
  • Built resilient product and engineering teams and established development and support processes.

  • Build the anti-fragile product and engineering teams

Key responsibilities

  • Product vision and strategy
  • Process of product development and support

SmartCat

Nov 2022Mar 2024

Senior Product Manager

Achievements

  • Delivered supplier‑management automation and a prepayment tool, resulting in a 1.8× increase in subscribed users (rather than 1.8 %).

  • Raised client engagement by 18 % and improved key account success rate by 30 % through targeted feature enhancements.

  • Managed 16 functional team members, implemented quarterly planning and improved collaboration between product, engineering and customer teams.

  • Served enterprise clients including ByteDance, Lululemon, Yandex, 1C, Kaspersky and Sportmaster.

Key responsibilities

  • Leading cross-functional activities
  • Product discovery
  • Product delivery
  • Key account management

ZoodPay & ZoodMall | eCommerce and FinTech

Oct 2020Aug 2022

Senior Product Manager & UX Lead (mobile apps)

Achievements

  • Led engineering and UI/UX teams using Agile to develop mobile applications, working with internal, external stakeholders and customers to incorporate feedback into the application
  • Managed international cross-border BNPL marketplace in 5 countries with local adaptation
  • Prioritized product roadmap with developers, aligning the product vision with the market needs and business strategy. 
  • Raised customer base from 650K to 5.7M users
  • Led in apps to become top 1 in shopping category at Google Play market in Central Asia country (rating from 3.4 to 4.6)
  • Launched in-store offline BNPL product in 4 countries and increased 35% of global GMV and increased customer retention
  • Managed customer apps (iOS and Android) with UX driven approach
  • Managed with agile-driven approach research and development teams
  • Collaborated with development, ux/ui, and business teams to deploy, support, and improve key products of the company
  • Led cross-functional product management & product leadership
  • Provided market and financial analysis to key department owners advocating strategic plans to exceed budget expectations

Selected Accomplishments

  • Contributed to growing total revenues by x8 times within 2 years in global operating markets by developing and launching new products and effective product management
  • Become the top 1 eCommerce app in Uzbekistan and the top 1 BNPL app in Jordan and Lebanon
  • Launched credit products for Zood ecosystem which lead to high growth of GMV

Key responsibilities

  • Leading cross-functional activities
  • Product discovery
  • Product delivery

Arbuz.kz | FoodTech and eGrocery

Mar 2020Oct 2020

Head of Special Projects

  • Developed and managed vision and strategy of hyperlocal dark stores (store delivery within 15 minutes to local area)
  • Planned a roadmap for tech and business operations teams for hyperlocal dark stores
  • Developed a strategy and roadmap for fulfillment center for Kazakhstan market
  • Developed and lead full product cycle of online delivery of beverage segment
  • Launched online delivery of beverages for Almaty and Nursultan, increased company GMV by 20%

DAR | FinTech, Entertainment, Social media, EdTech

Jun 2017Feb 2020

Senior Global Project Manager & COO at Asakita Indonesia

  • Developed an online lending strategy for market entry and further growth
  • Lead and managed product development features (improvements/optimization and new features)
  • Implemented corporate governance processes and monitored execution of KPIs of the project
  • Automated eKYC process which led decision process from 2 days up to 15 seconds (75% of applications)
  • Improved scoring model (moved from classic score cards to behavioral models) which improved approval rate and quality of applicants by 40%
  • Designed product and managed development team
  • Designed and implemented core business and supporting processes
  • Developed and implemented CRM & BPM systems for the company
  • Managed and controlled integrations
  • Monitored competitors activity
  • Budget planning
  • Created technical specifications (scenarios, use cases, user stories, customer journey map)

Prime Source | FinTech and SaaS

Aug 2016Jun 2017

Product manager

  • Designed product vision and its features for B2B financial market solutions
  • Managed development of online and mobile banking (chat bots, DWH solutions, ERP solutions, FinTech ecosystem establishment)
  • Marketing development and sales for AML system for banks in Kazakhstan

Education

Suffolk University, Boston MA

20132016

Business Management & Information Systems and Operations Management

  • Became one of the best performing graduates with Cum Laude degree
  • Senior Capstone class - problem-solving opportunities with real-life client Blue Cross Blue Shield Massachusetts 
  • Strategic Management class - working with real-life client Recon Craft
  • Member of International Business Club, Electronics and Robotics Community, Entrepreneurship Club

Edinburgh Napier University

20122013

Diploma of Higher Education in Business Management

Certifications

  • CPO Program, Product Star – 2025

  • Generative AI for Product Managers, GoPractice – 2024

  • Product Manager, Netology - 2020

Skills

Product management

Managing roadmap, backlog, and implementation. Managing full product cycle from ideation to implementation and support. 

Identifying growth metrics and improving user scenarios. Managing cross-functional teams and key stakeholders

User testing

Identifying the problem statements, classifying and segmenting problems, discovering insights

Customer development

Great at customer discovery with problem-solution fit, identifying the scope of MVP and customer validation cycle

Market research

Defining right data to compare, core and indirect competitor analysis

Business development

Driving business decisions and developing key partners

BUSINESS SKILLS

  • Results-oriented
  • Product ideation and strategy
  • Strong communication and analytical skills
  • Leadership experience designing and implementing administrative strategies
  • Experience leveraging technology for educational administration
  • Team-building and mentorship
  • A strong mix of technical, business, and analytical skills
  • Well-versed in international projects
  • Strong understanding of administrative processes
  • Strong technology communication skills