Арсен

Arsen Kryvosheia
Banking &Finance Professional
Ukraine, Kyiv

contact info:
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COMPETENCES & ACHIEVEMENTS
More than 14 years of professional experience in banking sector in Corporate Banking, Credit Risk, Project
Management (extensive hands-on experience of projects implementation in various roles and areas). 5+ years
at managerial positions.
During this time, I have accumulated solid knowledge and practice in the following areas:
- extensive experience of financial data interpretation and financial modeling (advanced MS Excel models), high-
level expertise on both Business and Credit Risk sides;
- solid and diversified banking experience of project finance, trade finance, participation in loan syndications in
such sectors as real estate, agriculture, manufacturing, retail trade as well as deal structuring;
- in my position in Piraeus Bank, over 2017-2021 (taking into account that HO Athens maintained the limit for
maximum allowed corporate loan portfolio) I’ve contributed to the following achievements:
o acquisition of new clients-market leaders (e.g. agri equipment importers, agri commodities export,
FMCG retail, agri & food producers and exporters);
o number of performing borrower groups increased by +200%;
o average ticket (loan principal + off-balance documentary facilities) decreased from 15% to 4,6% -
combined with the preceding statement that shows significant loan portfolio diversification;
o all new loans disbursed during the above mentioned period are all performing;
o annual commission income increased by +250%;
o signing of Trade Facilitation Program with EBRD, which supported development of Bank`s TF business;
o experience of successful multi-stakeholder debt restructuring;
o process improvement: implementation of reorganization of Corporate Business via creation of middle
office unit, simplification of loan operating procedures, hence streamlining of the corporate lending
process;
o Hiring 100% of new employees of the large corporate business division.
GOAL: In addition to evolving as manager and expert in banking, I am willing to expand my experience into the
new areas: Corporate Finance, PE/VC, Development Institutions (Government, NGOs and Private Sector).

BANK CORPORATE BUSINESS EXPERIENCE

Head of Sales, SupplierPLus - Kyiv, Ukraine
till now developing relationships with medium and large Corporate Buyers as well as Banks,
November 2021 eventually taking full commercial responsibility for these accounts
supporting Suppliers in understanding and adopting the solution
preparing initial credit profile overviews for corporate buyers
developing success plans for customers that define their critical success metrics and
action plans
managing commercial negotiations and due diligence processes with customers,
especially Banks
leveraging customer relationships for prospect references, especially in reaching out to
suppliers
contributing to product development and service level improvement based on customer
needs (technical, legal, operational)
 representing SupplierPlus at professional events

Head of Large Corporate Business Division at Piraeus Bank ICB - Kyiv, Ukraine
November 2021 member of the Credit Committee, Product Committee, Assets & Liabilities Committee;
January 2017 devising customer relationship strategies, monitoring the corporate lending market (with specific
emphasis on agri-commodities), representing bank at negotiations with clients, co-lenders etc.;
contributing to processes improvement & products development;
supervising 4 employees in the two teams of Corporate Business: corporate relationship managers
and credit analysts.

Senior Relationship Manager, Large Corporate Business Division at Piraeus Bank ICB - Kyiv, Ukraine
December 2016 management of the existing corporate loan portfolio: reviews, restructurings, profitability
July 2015 improvement;
searching and acquisition of new corporate clients;
preparation of credit applications (incl. financial analysis, cash-flow projections), negotiations with
clients, deal structuring;
presenting of the credit applications to Credit Committee and HO Athens;
deal closure: coordination of the respective departments (legal, loans administration, evaluators
etc.) for preparation of the necessary documentation for signing.
BANK CREDIT RISK EXPERIENCE
Head of Large Corporate Clients Credit Analysis Unit at Bank Credit Dnepr - Kyiv, Ukraine
Feb. – Jul. 2015 supervising 2 employees;
credit analysis and deal structuring - KYC and financial analysis, understanding customer needs
and revealing earning opportunities for the Bank, representing bank at negotiations with clients,
co-lenders etc.;
devising and proposing to Credit Committee of the customer relationship strategies – in respect of
communication and cooperation with potential and existing clients (incl. problematic borrowers);
process improvement – upgrading of the credit analysis procedure, particularly developed a set of
new draft documents and tools: credit analysis application, cash flow tools, Credit Committee
minutes etc.

Acting Head of Corporate Credit Risk Divisionat Piraeus Bank ICB - Kyiv, Ukraine
(Corporate Credit Risk Division – new name of Corporate Credit Department after reorganization)
Jan. – Feb. 2015 member of the Credit Committee, Product Committee, Assets & Liabilities Committee;
supervising 6 employees in the two teams of Corporate Credit (see scope of tasks description of
the position below): large corporate and SME credit risk analysis desks;
assisting Corporate Business in negotiations with clients, deal structuring at both early and final
stages, communicating Credit Risk's position to Credit Committee and HO Athens;
development of recovery plans for NPLs;
supervising/contributing to various cross-functional project groups focused on
development/improvement of Bank’s products and processes.

Head of Project Finance desk, Corporate Credit Departmentat Piraeus Bank ICB - Kyiv, Ukraine
(since Dec. 2013; also Senior Credit Officer, Credit Officer at Corporate Credit Department)
December 2014 performing business, financial (under both UAS and IFRS; incl. CF modelling) and risk analysis of
April 2008 customers/projects/loan facilities, delivering trainings on the issues of credit/financial analysis,
engagement in Bank’s restructuring and NPLs work-out efforts;
being Bank’s designated expert for lending to real estate projects (residential RE construction,
financing commercial RE), acting under such projects as both the relationship manager and the
credit risk analyst – gained vast experience in activities related to financing of investment projects
such as negotiation, financial modelling, deal structuring and monitoring;
presenting risk opinion regarding loan projects to the Credit Committee and HQ Athens,
representing Bank at negotiations with clients, co-lenders etc.;
reporting/validation of month-end data on credit quality, risk sensitivity, loan loss provisions and
performance of stress-tests;
supervising direct subordinates since December 2013, training and coaching colleagues in the
 branch network;
participation in development of Bank’s internal policies and tools, incl. such projects as:

Process Based on Credit Committee’s decision, upgrading of the project finance loans credit analysis
improvement: process.
Project scope: Creation of the common methodology for estimating feasibility of investment projects based on
cash flows projections, introduction of the new future cash flows projection (CFp) tool,
optimization of project finance applications-related workflow, upgrade of relevant policies and
procedures.
Project Timely reaching the targets set by Credit Committee; improved reliability of CFp process, time
deliverables: economy – reduction of human error rate, reduction of time worked on CFp by bank’s staff due to
standardization; improved effectiveness – faster and more homogenous credit analysis via
standardization of analysis tool.
My role: co-initiator, project manager, methodology and tool algorithm developer, testing lead.

Internships at Citibank - Kyiv, Ukraine
Sep. – Nov. 2007 Banking Department
July 2006 Finance Department

QUALITIES, SKILLS & EDUCATION
Professional & proven managerial and project management track record
Social proactive result-oriented mindset
analytic, strategic thinking, problem solving
verbal and written presentation skills
multi-stakeholder and multicultural communication experience
ability to work individually, as a team player, and to lead the team
willingness to learn and grow
Software MS Office package (Word, Excel, Access, PowerPoint, Visio)
good practice of complex modelling in Excel
user experience in Moody’s Risk Advisor, Oracle-based B2 core banking system
Languages English – fluent (capability of both verbal and written communication)
Ukrainian – native, Russian – fluent
willing to encounter new cultures and learn new languages

Prominent trainings arranged by Piraeus Bank
2012– 2013 Participation in trainings of Piraeus Bank Corporate Credit Academy
attended 2 week-long training sessions conducted by D.C.Gardner in Athens for Piraeus Bank Group covering
Advanced Credit Analysis, Debt Restructuring, Real Estate/Project Finance, Trade Finance, Financial Modeling
in Excel, Negotiation, other hard and soft skills

2011 Stepping Up to Management – Certificate of participation
distance learning training program with content provided by Harvard Business School covering various
management subjects

Chartered Institute of Management Accountants (CIMA)
2013 CIMA Certificate in Business Accounting (Cert BA)
subjects covered include business economics, management accounting, financial accounting, and also
fundamentals of ethics, corporate governance and business law

Kyiv Taras Shevchenko National University
2003– 2008 Specialist-level degree in statistics – mathematical economicsspecialization
(Faculty of Mechanics and Mathematics)

Kyiv Specialized English Language School # 155
1993– 2003 Certificate of graduation