Вадим

Vadym Karmalita
[open contact info](look above in the "contact info" section); mob: [open contact info](look above in the "contact info" section)
Executive International CEO with 22+ years of experience in IT services, fintech, banking and telecom across the United
summary Kingdom, CEE & CIS.
Full P&L owner with proven track record of scaling businesses to market leadership, delivering 3–4x net profit growth
and leading organizations of up to 900+ employees.
Board-experienced executive driving sustainable growth, capital discipline and governance excellence.
Extensive board-level experience including budget approval, strategic oversight, IFRS-based reporting supervision and
external audit coordination with Big4 firms.

12/2024 - General Manager
11/2025 IT services company operating in Ukraine, Poland, the United Kingdom, CIS countries
Achieved results: +70% YoY revenue growth, +30% Active Clients growth

12/2020 - Chief Executive Officer
11/2025 Paycell | Ukraine
Financial company of the mobile operator Lifecell (Turkcell Group)
•​ Led regulated fintech subsidiary of telecom group
•​ Navigated wartime operations and ownership transition

12/2016- Member of the Board of Directors
02/2020 HoraCredit | Fintech | Romania
Achieved results:
•​ Scaled from start-up to TOP-3 digital-only company by market share
•​ Led business to breakeven within 12 months of launch

02/2016- Chairman of Supervisory Board
02/2020 CreditKasa | Fintech | Czech Republic
Achieved results:
•​ Scaled from start-up to TOP-3 digital-only company in the SME segment by market share
•​ Led business to breakeven and profitability

03/2013- Director of Business
12/2015 Unibank | Azerbaijan
Directed full operational cycle - branch network (25+ offices), sales, marketing, back office, and collections - leading
300+ employees
Achieved results:
•​ Transformed business from Top 10 to Top 3 market position in Active Clients, portfolio size and quality
•​ Increased net profit by 4x

03/2010- Deputy CEO
11/2012 FINCA | Credit Company | Azerbaijan
Directed full operational cycle - branch network (60+ offices), sales, marketing, back office, and collections - leading
900+ employees and engaging with institutional investors and stakeholders
Achieved results:
•​ Led company from Top 3 to Top 1 in the Group across active clients, portfolio, profitability, and portfolio quality
•​ Drove 70% growth in active clients.
•​ Scaled contribution to 40% of total Group profit among 21 operating countries in Latin America and Africa, CEE and
Eurasia markets
•​ Tripled net profit

08/2009- Regional Operations Director
02/2010 FINCA | Credit Company | Azerbaijan
Directed full operational cycle - branch network (6+ offices), sales, marketing, back office, and collections - leading
150+ employees

03/2011- Member of Audit Committee
11/2012 FINCA | Credit Company | Kosovo

12/2006- Deputy Head of SME business development Department
06/2009 Alfa-Bank | Ukraine
Built and led full operational business from scratch to 14 offices in 7 regions, sales, marketing, back office, and
collections - overseeing 100+ employees

09/2006 – Head of Loan Strategy and Portfolio Risks Department
12/2006 Nadra Bank | Ukraine

05/2004 – Head of Express lending Division
08/2006 PrivatBank | Ukraine
05/2003 – Expert of micro lending division
05/2004 PrivatBank | Ukraine

02/2003- Trainee in retail lending division
04/2003 Raiffeisen Bank Aval | Ukraine

Education •​ University of Pennsylvania (USA). American Bankers Association, Stonier Graduate Banking School. 2011-2013
•​ Technological university of Podillya region (Ukraine), “Audit and accounting”, 1998-2003

Languages English (fluent), French & Turkish (working proficiency)

Certificates •​ Wharton Leadership Certificate. The Wharton School (on site)