Vladimir Utkin

Head of Products - B2b Lending @Ozon Банк

Moscow, RU

Managed a high-performing multidisciplinary team (Marketing, Sales, Product, Finance, Risk, Programming… ) of 300+ FTEs- Launched 4 diverse credit products including vanilla credit, credit line and “money before sales” solutions for marketplace sellers (SME), expanding to non-marketplace legal entities- Reached portfolio in $500M+(Nov’2024) «from scratch» to daily TPV in $4M in 3 years (Oct’2021 – Nov’2024)- Responsible for P&L, delivering positive EBITDA with consistently high margins 30%+- Established strategic partnerships with 2 of the top 4 largest banks to provide seller loans on the marketplace- Implemented risk-return strategy- Oversaw risk engine development achieving >80% approval rate and <3% credit loss while maintaining 45%+ interest margin

Higher School of Economics

Bachelor's degree, Mathematics