Іван

IVAN MELCHUKOV
Position: Head of Sales / Senior Business Development Manager (Banking, Financial Services & Fintech)
Location: Riga, Latvia (open to relocation)
Status: Temporary protection in Latvia (right to work)
Phone: [відкрити контакти](див. вище в блоці «контактна інформація») / [відкрити контакти](див. вище в блоці «контактна інформація»)
Email: [відкрити контакти](див. вище в блоці «контактна інформація»)
LinkedIn: [відкрити контакти](див. вище в блоці «контактна інформація»)
PROFESSIONAL SUMMARY
Sales and business development leader with 17+ years in banking and financial services. For 8 years headed the sales department of Ukrgasbank, one of Ukraine’s largest banks, leading a team of 70 sales specialists and managing 20 sales points across the region. Delivered 60% annual growth in sales volume and grew online sales by 70%. Strong track record in corporate and retail lending, merchant acquiring, payment gateway integrations, B2B sales and key account management, with KYC/AML-compliant client onboarding. Fluent English, ready to relocate.
CORE COMPETENCIES
• Sales Leadership & Strategy: Building sales strategy, planning and monitoring targets, driving loan, insurance and digital product sales in a major bank.
• Team Management & KPI Driving: Leading, training and motivating teams of sales executives and relationship managers; clear metrics, sales funnels and performance monitoring.
• B2B Client Acquisition & Key Account Management: Winning and retaining corporate clients, building long-term partnerships with decision-makers.
• Corporate Lending & Credit Risk: End-to-end lending cycle: document collection, financial and collateral analysis, risk opinions, credit committee, contracts and post-disbursement monitoring.
• KYC/AML & Compliance: Compliant client onboarding, customer due diligence and adherence to internal risk and regulatory standards.
• E-commerce & Digital Payments: Merchant acquisition, online sales channels and partnerships for digital payment integrations.
• Bancassurance & Partnerships: Selling and integrating insurance products (motor CASCO/MTPL, property, life, health, mortgage) and managing insurer partnerships.
PROFESSIONAL EXPERIENCE
Career transition and relocation to Latvia | April 2026 – Present
• Relocated to Latvia; obtained temporary protection with right to work.
• Actively networking and exploring opportunities in EU fintech and banking.
JSC Ukrgasbank (One of Ukraine’s largest financial institutions)
Head of Sales Department | March 2018 – April 2026
• Sales Leadership: Led the sales department: sales strategy, planning and KPI monitoring; achieved 105% plan fulfilment and 60% annual growth in sales volume.
• Team Management: Managed, trained and motivated 70 sales specialists and relationship managers; introduced clear metrics and sales funnels.
• Corporate & Retail Lending: Directed loan origination for corporate and retail clients, maintaining portfolio quality and keeping overdue loans under control.
• Bancassurance: Developed and scaled sales of insurance products (motor CASCO/MTPL, property, life, health, mortgage); commission income grew by 50%.
• E-commerce & Digital Payments: Led e-commerce initiatives, expanded the merchant network by 120% and managed partnerships for digital payment integrations; online sales grew by 70%.
• Partnership Management: Negotiated and managed 200+ partnerships across insurance providers, corporate B2B clients and digital platforms.
Senior Corporate Relationship Manager | December 2017 – March 2018
• Managed end-to-end B2B sales cycles, identified corporate client needs, and structured tailored financial, credit and payment solutions with full KYC/AML compliance.
Credit Portfolio Manager | April 2013 – December 2017
• Supervised retail and corporate credit portfolios, performed financial statement analysis and maintained relationships with high-value clients.
• Led the full lending cycle for large corporate borrowers: collecting and verifying documents, financial and collateral analysis, coordinating opinions of risk, security and legal departments, preparing the credit file for committee, and drafting loan and collateral agreements.
JSC IMEXBANK
Senior Credit Economist | October 2012 – April 2013
• Managed retail and commercial lending operations, executed creditworthiness assessments and analyzed financial risk profiles of individual and corporate clients.
JSC BANK FORUM
Sales Economist / Sales Executive | March 2011 – October 2012
• Attracted, launched and managed payroll and credit projects for 400 corporate customers, optimizing the onboarding and lending process.
JSC Ukrsotsbank (UniCredit Group)
Sales Economist / Client Relationship Executive | September 2008 – November 2011
• Conducted the full sales cycle for retail and corporate banking products, including auto loans, mortgages and credit facilities.
EDUCATION
Odesa National Economic University
Master’s Degree in Economics (Specialization in Banking and Finance) | 2003 – 2008
LANGUAGES
• English: Fluent (Professional working proficiency).
• Ukrainian: Native.
• Russian: Native.

WORK AUTHORIZATION

• Temporary protection in Latvia (right to work). Open to relocation; require visa sponsorship for non-EU countries.