Business and products
SME business development, lending and transaction banking products, leasing programmes, partner channels and sales models.
Open to opportunities · Tashkent
Developing banking businesses. Connecting strategy, products and technology.
Victor Sherstyuk — an executive and expert with experience in banking, international consulting and FinTech. SME business, financial products, lending processes and teams — from business needs to implementation.
25+years in banking
50+projects
20+companies and banks
2countries of practical experience
Employment and project experience:
VTB 24ALFA-BANKSBERBANKEBRDIPC GmbHOZPLANETNBU
What I bring to a business
Financial expertise, leadership experience and technology insight — in one role
I connect customer needs, products, credit risk, sales and operations. My experience bridges banking business requirements and their implementation in processes and IT systems.
Digital transformation
Loan origination workflows, CRM, BPM, DWH and business analysis. Translating business needs into process and system requirements.
Operations and teams
Organising business units, managing products and projects, training specialists and working with partner banks.
Uzbekistan experience
Projects at NBU, Agrobank, Asaka Bank and Universal Bank, an EBRD SME lending programme and operations leadership at OZPLANET.
Selected project experience
Beyond strategy — products, processes and systems I have worked on
Banking, international consulting and digital platforms. Selected assignments and my role in each.
Digital factoring
Former COO. Organised platform operations, managed relationships with partner banks and worked on building the sales system.
CRM, DWH and analytics
Led business analysis for Oracle Siebel CRM, SAP DWH and SAP HANA reporting projects. Contributed to an AI pilot.
Strategy and customer service
Supported the development of NBU’s five-year strategy and contributed to Agrobank’s service model and customer service standards.
SME lending programme
Contributed to the launch at NBU: recruiting and training specialists, credit committees and quality control of credit analysis.
SME financial products
Product Owner for SME lending products. Developed an automatic overdraft product, hybrid products and a leasing programme.
Loan origination workflows
Managed the project in cooperation with McKinsey & Company. Developed and launched lending products and business account packages.
Branch-network sales model
Introduced a new small-business sales model covering loans, business accounts, corporate cards, merchant acquiring and payroll services.
Regional teams and partnerships
Oversaw 10 regional SME lending units at VTB 24. At NOMOS-Bank, developed products, lending workflows and a partner channel.
From bank auditing to FinTech
Experience across lending, financial management, product development, international consulting and banking IT projects.
Professional journey
Banking, consulting and FinTech — on both sides of transformation
I have worked within banks and on the consulting and IT integration side. This helps connect management decisions with processes, people and technology delivery.
View my full CVFormer role
OZPLANET · Chief Operating Officer
Operations leadership at a digital factoring platform in Uzbekistan: partner banks, platform processes and the sales system.
2020–24
SUNTRONIX / FULL STACK SOLUTIONS
Consultant / Business Analyst Team Lead. Banking CRM, DWH and reporting, an AI pilot, strategy development and service models.
2018–19
IPC GmbH · EBRD project
Bank Adviser. Preparation and launch of an SME lending programme at NBU, team training and credit analysis methodology.
2010–18
Sberbank · Alfa-Bank · RSHB · NOMOS-Bank
Leadership roles in SME sales, lending products and technologies. Product development, lending workflows, partner channels and service transformation.
1993–2010
From bank auditing to leadership at VTB 24
Bank inspections at the Central Bank of Russia, financial management at Tomskenergo, SME lending at Vneshtorgbank and lending leadership at VTB 24.
My next professional role
Seeking a leadership role focused on business development and delivering change
Open to opportunities with banks, FinTech companies and financial product teams. Based in Tashkent. Happy to discuss a specific role and its responsibilities.
Operations leadership
Operating models, cross-functional coordination, partner networks and team management.
Bank · FinTech · digital platformSME business leadership
Product proposition, lending, sales, acquisition channels and customer service.
Business line · financial productsTransformation and projects
Business analysis, process change, credit technologies and banking IT implementation.
Change programme · project teamBusiness development
Bank partnerships, financial services development and working in the Uzbekistan market.
Partnerships · new business areasMy working approach
Understand → design → implement
- Understand the contextBusiness goals, customer needs, economics and constraints.
- Design the solutionProducts, processes, roles, data and system requirements.
- Organise implementationPeople, priorities and coordination between business and IT.
- Manage and improveMeasures, feedback and further development of the solution.
Professional foundation
Finance, banking management and technology training
Over 25 years of experience in Russia and Uzbekistan: from bank auditing and credit analysis to leadership positions, international projects and digital factoring.
My approach combines financial reasoning, a customer perspective and process knowledge. Training in business analysis, systems analysis and management supports my work at the intersection of business and technology.
Finance and creditProduct OwnerBusiness analysisRisk ManagementAgile / ScrumCRM / BPM / DWH
Russian — native · English — intermediate
Education and development
- Tomsk State UniversityFaculty of Economics · Finance and Credit
- Tomsk Banking School of the Central BankDiploma with honours
- American Bankers AssociationBankExec International Program
- Academy of National Economy under the Government of the Russian FederationBank asset and liability management
- VTB Corporate UniversityMini MBA · Energy of Leadership
- Yandex PracticumSystems Analyst · professional retraining
- IBM SkillsBuildArtificial Intelligence Fundamentals
Get in touch
Let’s discuss how my experience can strengthen your team
Tell me about your company, the potential role and its key responsibilities. Contact me directly by phone, email or Telegram.