Technical product manager

Cashwagon is a large Fintech player at South-East Asia region that supplies customers with PDL/Installment loans 100% online via web or mobile app on iOS & Android.

I am responsible for all tasks in terms of risk management from IT perspective. Management of 4 separate teams by following directions: decision engine, risk services, mobile dev, front-end dev. All development with open stack technologies.

Decision engine. Python-based in-house dockerised service for launching scoring pipelines according to actual credit policy. Horizontal scalability support, country independent architecture. Maintenance and development of decision making system.Successfull launch at 5 countries.

Risk Services. Micro service approach: each risks component has individual standalone service. Stack varies from business requirements: ruby / go / python. Released services: neural-based Image processing service for classifying customers attached pictures, in-memory graph-based engine for establishing connections between customers, gradient boosting-based fraud prediction scoring service, Google OCR-based scoring service for verifying national ID vs. application data, biometric anti-fraud cognitive service for searching applicant's selfie in selfies pools of former applicants, underwriting screens system that allows to assign different tasks for verification staff per customer's application individually, connected 20+ different data sources such as local credit bureaus / telco providers / e-commerce aggregators / anti-fraud suppliers / etc.

Mobile dev. Integrations with personal accounts of different local consumer finance providers all over the south-east region (telco / e-commerce / tax services / online shops / travel agencies), successfully implemented anti-fraud active liveness feature "Action Capture

Risk-tech unit head.

Comprehensive support of decision engine based on SAS RTDM. Strong understanding of deployment process, development necessary documentation and methodology for a unit. Successful deployment of numerous projects for the whole retail network all over the Russia (more than 4000+ users). Projects maintenance with SCRUM.

Development and implementation in-house reporting service based on .NET (C# language, more than 5 years experience in programming). Experience in reverse engineering (decompilation of jar-packages from vendor, internal algorithms analysis). Strong knowledge of SQL (PL / SQL T / SQL) .

Integration with external data providers at Russian market (credit bureaus, telco providers, tax state services, etc.). Writing accompanying documents. Proficiency in SAS BASE / SAS Macro, Unix-related systems (administration of bash scripts for proper operation of scoring engine). Experience with soap flows, front-office systems based on IBM BPM.

Big experience in cooperation with the largest integrators on Russian market (fintech integrators), creation an accompanying project documentation (business requirements, architectural solution, terms of reference, etc.)

Confident jira / confluence user.

Business and technical support of all external services (Credit Bureaus, Biometry, State Services, Fraud Prevention System, etc.). Communication with key bank departments in matters of legal support of the external services of the bank.

Portfolio analysis, creation of scoring models in SAS environment (Guide and Miner level). Extensive experience working with credit bureaus: the aggregation of data from multiple bureaus, creating scoring mod el based on that data (UCB, EQUIFAX, NBCH, CB Russian Standard, etc.), maintenance of the created models.

Administration of decision support system (DDS) - Experian NBSM, experience in the development and implementation of strategies, performance analysis of embedded rules to all banks' portfolios (loans) in terms of all kinds of internal and external services.

Creating of technical tasks for developers, business-analysts. Development of special software to solve the above described tasks using the .NET framework (C # language).

Strong knowledge of RDBMS Oracle (big experience with toad, sql developer clients). Deep knowledge of SQL, PL/SQL (development of all kind of procedures, functions aggregate functions, xml-aggregators, failover schedule tasks etc.) Development and maintenance of complex procedures to generate / download bureau credit reports, as well as the accompanying multi-threaded application for discharge of credit histories in C # (simple credit registry analogue)

Since the beginning of 2015 - Acting Head of Risk Technologies Unit

.NET (C#) software engineer. Support and development of navigation software modules. Statistical analysis of the navigation data. Creation of mathematical analytical model of the motion of group of cars in urban areas, experimental research of this model on MatLab and Aimsun software. Experience with RDBMS (MS SQL).