What changed
and how

Context

Private investors decide in a broken context: quotes in one place, the portfolio in another, taxes and risk nowhere. Ready-made "signals" never answer what it means for this particular portfolio.

What I did personally

• Product hypothesis and strategy
• Scenario and analytics architecture
• Data quality and trustworthiness
• Unit economics and monetisation model
• First sales and user feedback

Outcome

A live product in early beta: portfolio, risk and market-context analysis scenarios. The priority is proven product-market fit, not growth at any cost. Stage metrics are shared on request.

Context

An investment service inside a telecom ecosystem: high acquisition cost, low engagement after the first trade, monetisation tied to trading activity, and a contracting market in 2025.

What I did personally

• Product strategy and roadmap prioritisation
• Smart Subscription launch - a shift to a subscription model
• Smart Profit product and retention scenarios
• AI loops for analytics and content generation
• Rebuilt activation and engagement funnel

Outcome

• Active clients tripled while the market fell 22%
• Trading volume +763% while the market grew 12%
• AUM of funded clients +35% YoY
• Service tNPS: -6 → +25
• ~80% of routine analytics and content automated

Context

A premium segment with high service costs and a heterogeneous client base: identical service for clients with very different value and needs.

What I did personally

• Tier model and transition rules
• Predictive clustering and prioritised client actions
• AI and next-best-action in sales and service
• Partner ecosystem: TSUM, Novikov Group, Azbuka Vkusa
• Product proposition rebuilt around client value

Outcome

• Sales conversion tripled
• Segment margin +46% in 12 months
• Operating income +63%
• Client asset turnover 0.75 → 2.43
• Revenue on AUM 0.2% → 0.5%

Context

The investment and savings line-up was weakly connected to real client goals and poorly supported by sales tooling.

What I did personally

• Line-up relaunch around client goals
• Target date strategies
• Advisory technology for consultants
• SalesBook built on Bloomberg and Refinitiv data

Outcome

A single selection logic instead of a product catalogue, better advice quality and more manageable investment product sales.

Context

Direct work with affluent clients: portfolios, risk profile, taxes, structured and investment solutions.

What I did personally

• Personal investment portfolios
• Structured and insurance solutions
• Working with objections and client time horizons
• Growing the premium client base

Outcome

The foundation for everything that followed: understanding how financial decisions are actually made on the client side, not on a strategy slide.