Nataliia Hanziuk

Puls is a liquidity management platform that helps businesses monitor, plan, and control cash flow in real time. Puls provides fast access to business loan significantly faster than traditional banks. I led product strategy across customer-facing applications, credit risk, lending back-office, onboarding and internal platforms. Key Achievements: • Owned the roadmap for Puls credit risk platform, replacing manual tracking with automated decision rules, improving compliance and enabling 85%+ on-time credit

Worked across multiple global product teams in regulated financial environments, delivering requirements, workflows, data structures, and product documentation. Key achievements by product: Product: Title insurance platform • Defined product requirements and contributed to roadmap planning, working closely with Lead Product Manager and engineering team on solution design and estimation to drive prioritisation and backlog execution. Product: DWH Collateral Hub (development of new data warehouse (DWH) for

Key achievements: • Defined product requirements for sports campaign features on the Parimatch platform, supporting global sporting events and driving increased player acquisition, engagement, and conversion.

Product: Credit Management System (control of maximum limit of credit financing per borrower and its related parties) Key achievements: • I joined the project in the middle of the development phase and resolved an issue with the missing requirements important for the end users, so that at the end of the development phase the users’ expectations were met and UAT was successfully passed. • Created test cases and template for reporting bugs that helped to align testing between departments and deliver testing

Key achievements: • Being a key point of contact for the customer I established good relationships with various bank’s departments and service providers to manage client’s requests fast, efficiently with value for the bank and the client. • Carried out economic and financial analysis of enterprises and groups of companies, cooperated with bank and client agricultural experts to arrange credit facility for the borrower.

Key achievements: • Prepared analytical research of key markets and performed deep financial and market analysis of enterprises and groups of companies. • Solved the problems of toxic loans in bank’s credit portfolio by developing custom-tailored restructuring models. As the result, the financial situation of borrowers got better, and they began pay off loan liabilities.

Key achievements: • Carried out economic and financial analysis of agricultural enterprises and the group of related parties. • Prepared financial forecast models of companies and evaluated their financial investments attractiveness, so for each client I developed specific credit case’s structure to mitigate their seasonal risks and provide with the rational schedule of credit disbursement and payment. Thus, borrowers fulfilled their credit conditions and covenants and the bank had paying credit portfolio.

Key achievements: • Performed financial analysis of the borrowers as well as their investment projects, evaluating the existing and potential project implementation risks. Thus, the bank's loan portfolio was formed by reliable borrowers and their investment loans with mitigated risks.

Key achievements: • Developed automated reports on the bank’s credit portfolio restructuring that decreased time of manual work and made it possible to generate reports for Bank Board of Directors and Investors at any given time. • Being a member of the fusion committee Swedbank and Swedbank Invest, I did credit portfolio analysis. As the result, toxic assets were sold to the Collection Agency and only liquid assets were joined the Swedbank portfolio.