INXY Payments

Co-Founder

At INXY Payments, we pioneered the bridge between Web2 and crypto payments. We lead an authorized EU fintech that processes $60M+ in monthly volume, helping established businesses integrate cryptocurrency payments, handle mass payouts, and manage crypto-fiat conversions seamlessly.

I build and scale innovative financial products that solve real business challenges. At INXY Payments, we've rapidly grown to $60M and serve major clients like SolarStaff, 4dev, Trafficstars, Propellerads, MediaCube, and SkyCoach while securing seed funding and EU licensing.

CPO / Co-founder

ATMEEX (Microclimatica LLC) 

Tasks:
•	Create and develop a new line of business from scratch: HVAC smart system: from idea to mass production: full R&D cycle of a series of smart devices for apartment buildings
•	Achieve key performance indicators and provide operations in finance, HR, purchasing, sales and marketing

Achievements:
1.	In 14 months, developed from scratch and launched a unique set of products for developers:  intelligent HVAC system for apartment buildings 
2.	Organized the entire cycle of product development and provided timely development cycle including processes of prototyping, industrial design, UI/UX, hardware/software development; Metrics: COGS, Gross Profit 
3.	Successfully completed the entire R&D cycle from the hypothesis testing to reverse engineering, final prototype and mass production
4.	Participated in the largest Russian air conditioner plant’s production organization 
5.	Developed and implemented operational business processes:
•	Finance management: P&L, Unit-economics; 
•	Personnel development: recruitment, adaptation, assessment, training, motivation 
•	Product team management: team interaction and productivity through the introduction of KPIs / Metrics
•	Procurement and logistics management: selection of equipment components, logistics supply chain deployment
•	Development management: hardware, software (iOS/Android applications), UX/UI
•	Sales management: negotiating with key partners of the company: PIK Group, Samolet, A101
•	Marketing development

All of the above resulted in:  
1.	Attracting investments and signing a $7.5Mln in 2021
2.	Presenting the project to the customer, demonstrating a working prototype, successfully selling a share of the business to PIK company, the largest developer company 
3.	Achieving operating profit within the first year; 43% COGS reduction from the first batch to mass production
4.	Keeping Fix Costs for the first 8 months of the project within <10% of the budget

Managing Director /  CPO - 35+ direct reports

Arteza

100+ direct reports, 7 departments: development department together with CTO: front/backend, UX/UI, project managers; product managers and marketing department: marketers, designers, photographers, videographers, screenwriters
Tasks:
●	Increase the profitability of departments, optimize the efficiency of departments and teams
●	Improve all key product metrics; find new points of growth and develop business strategy 

Achievements:
1.	Carried out detailed user cohort analysis, identified 7 points of growth in the cohort of new and old users
2.	Optimized conversion metrics C1, C2, AMPU, CAC, AMPPU, AvPayment Count, AvPrice
3.	Developed Strategy 2020: Business unit, KPI, Metrics for HR dept., KPI/ Metrics/ Targets for marketing dept.
4.	Launched a cycle of testing from 5 to 20 product hypotheses per week
5.	In 2 months developed solutions for process optimization, marketing management; introduced KPI for all departments, set year and quarter goals 
6.	During the first quarter optimized the process of returning old users’ cohorts through e-mail marketing, loyalty programs
7.	Optimized A/B seamless testing across the entire Customer Journey Map funnel
8.	Implemented Sales flow by launching sales campaigns controlling product profitability and balance turnover

All of the above resulted in: 
1.	Reducing by 30% user losses at the final step of the funnel 
2.	Increasing Average Price by +100%; improving Average Payment Count by +30-35%
3.	Increasing ARPPU by +15% on average for the whole period, and by 80% during sales periods
4.	Increasing by +20-40% the effectiveness of advertising campaigns (in terms of CTR / AOV efficiency), by 3-12% the profitability, by 15% the balance turnover; increasing by +180% YoY turnover; 100%+ achieving key indicators of turnover and profitability for the business

Managing Director - Product Marketing / E-commerce

Rusklimat Company, one of the biggest producers of the Heating, Conditioning, Air treatment in RUS

Tasks:
•	Reanimate the falling business category: dropped on the market from the 1st to the 3rd place, 2.5+ times’ drop in turnover  
•	Increase shelf presence and share in all key retailers and online platforms
•	Reduce the company stock balances, increase the partners’ turnover of stocks 

Achievements:
1.	Developed a market capture strategy; completely updated the line of 13 Air Treatment products for brands: Electrolux, Zanussi, Ballu
2.	Launched the unique Ballu Kids Disney product on the market which was awarded by Disney as the best licensed product 2015 
3.	Held 2 season launches in 15 Russian cities: 15 conferences for key partners in the regions, new product presentations, listings
4.	Held successful negotiations with 10+ key retailers; developed and implemented 30+ promotions and events 

All of the above resulted in:
1.	In 12 months, becoming No. 1 on the market according to GFK, increasing the market share from 16% to 24% with three brands – Electrolux, Zanussi, Ballu
2.	Increasing by 50-60% the shelf share in key retail chains: by 50% in MVideo, by 60% Eldorado.
3.	Increasing turnover by 43% and reducing stock balances to the KPI level

Deputy Commercial Director, Product Director, 3 product managers direct reports

Polymedia, (one of the top system integrators on the market. Over 400 ppl, 12 regional offices) 

Tasks: 
- Launch new brands and products on the market; optimize marginality, profitability and turnover in key areas, reduce costs in non-core activities

Achievements: 20+ thousand items in product portfolio 
1.	Created marketing department with clear transparent KPIs; Launched 20+ promotions for sales of balances from partners
2.	Successfully negotiated with the Canadian manufacturer PROMETHEAN, the USA manufacturer of sensors PASCO SCIENTIFIC on the exclusive products distribution on the whole market
3.	Launched a new website and a teacher community site with gamification elements

All of the above resulted in:
1.	Increasing the average margin for all brands by 10-15%; increasing the company turnover by 154% over the working period 
2.	Successfully bringing to market Promethean brands: market share - 15%; #2 on the market; > 25% of the company's turnover; the PASCO Scientific brand introduction

CMO, 15 direct reports (product managers, analysts, methodologists, marketers)

LG Electronics

Tasks (in total):
•	Close the gap on the top competitor; increase market and shelf share; bring new products to the market
•	Increase profitability of the category in general, cost effectiveness and EBITDA
Achievements: 
LG Electronics: 1+ billion budget under management at ATL / BTL / In-store / Events / Digital
1.	In one year successfully brought 5 new product lines to the market – more than 25 SKU, which helped to close the gap on the top competitor by 7% (to 2% gap) and increase turnover by 34% YoY. 
2.	Organized and held 5 national road shows and major events in the largest Russian cinemas to generate consumer interest in a new line of goods: 12 cities concurrently / 10 shopping malls in Moscow (a unique project in the electronics segment).
3.	6+ successful project launches with 4 key retailers, which helped increase the premium product shelf share in key retailers by 20%

Product Marketing Manager, 3 direct reports (product managers)

De'Longhi Group

Tasks (in total):
•	Close the gap on the top competitor; increase market and shelf share; bring new products to the market
•	Increase profitability of the category in general, cost-effectiveness and EBITDA

De’Longhi Russia: 
1.	Named the best market share (in money terms and in pieces) in the coffee makers, coffee machines and radiators according to GFK. Successful market launches of new compact coffee machines, Icona premium breakfast sets, ironing systems
2.	Achieved 200+% increase in YoY, increased shelf share in all federal channels by 15-25%
3.	Launched new products with NESPRESSO and distributed Nespresso coffee machines to federal channels; increased profitability by 15%

Brand Manager of De'Longhi brand

🚀 Empowering Entrepreneurs with AI | Co-founder @INXY.io , $10Mln/month and scaling to 🦄 | Tech & Leadership Advocate | 53+ Products Launched | $7.5M Raised | Business Growth & Innovation

At INXY Payments, we pioneered the bridge between Web2 and crypto payments. We lead an authorized EU fintech that processes $50M+ in monthly volume, helping established businesses integrate cryptocurrency payments, handle mass payouts, and manage crypto-fiat conversions seamlessly.

I build and scale innovative financial products that solve real business challenges. At INXY Payments, we've rapidly grown to $50M and serve major clients like SolarStaff, 4dev, Trafficstars, Propellerads, MediaCube, and SkyCoach while securing seed funding and EU licensing.

Previously:
✧ Led the creation of revolutionary HVAC systems as Managing Director, building a $7.5M business acquired by PIK Group
✧ Managed a 200-person creative team at Arteza.com through its $120M acquisition, overseeing marketing, design, product, and multimedia operations

My expertise lies in:
✧ Taking products from concept to scale
✧ Navigating complex regulatory environments
✧ Building and leading high-performance teams
✧ Identifying and executing strategic growth opportunities

Serge K.

SS&C Technologies

SS&C Algorithmics provides a range of award winning solutions to address market risk, credit risk, asset-liability management, liquidity risk, economic capital and regulatory capital. Based on sophisticated models and analytics, and utilising modern technologies, Algorithmics deliver the high performance and superior user experience required to meet today’s regulatory challenges while providing business value.

SS&C Technologies is the world's largest independent hedge fund and private equity administrator, renowned for its expertise in financial services technology. Evolving through strategic growth and acquisitions, SS&C has become a leader in providing innovative solutions to the world's largest financial institutions. Its diverse portfolio includes market-leading brands such as Advent, Blue Prism, Eze, Intralinks, GlobeOp, Geneva, Black Diamond, and Aloha, driving digital transformation across the sector. SS&C continues to innovate generating nearly $6 billion in revenue in 2024, serving 27,000 customers from 100 offices globally.

Lead Sales Executive | South Europe | SS&C Algorithmics

Finastra

-  Driving growth by acquiring new customers in the South Europe region with the cutting-edge Fusion Essence Core Banking system
- Within Universal Banking Business Unit focusing on Net New Name clients like Payment Service Providers(PSPs), EMIs, Fintechs and established banks 
-  Identifying and pursuing prospective clients through market research and targeted outreach. Dedicated to helping clients achieve their digital transformation goals.
- Collaborating with cross-functional teams to ensure a seamless onboarding experience for new clients.
- Presenting and promoting the benefits of core banking products and their unique features, highlighting how they can improve the customer's financial management and decision-making processes.

Sales Senior Associate | Universal Banking

- Selling all solutions cross-business units to existing and new customers in the Italian Banking and Financial Services sector. Main solutions included Kondor, Summit, Opics, LoanIQ, Fusion Essence, Fusion Trade Innovation.
- Developing market and managing existing accounts with total of +5 M of Annual Recurring Revenue
- Creating opportunities, structure deals and marshal them towards successful closure within expected timeframes
- Collaborating with and driving other Finastra staff: pre-sales, professional services, finance in order to win deals
- Coordinating marketing campaigns and providing speeches on main banking conferences in Italy mainly for C-Level panelists (AssiomForex, Forum Banca, Banking Summit, Le Fonti “Open Banking”)
- Develop relationships with decision-influencing, senior executives within prospective organizations

Sales Executive | Italy 

Successfully delivered numerous complex Front-to-Back-To-Risk projects for major Italian and foreign banks. The main areas of interest are covering innovation in financial technology to help clients enhance treasury management software with more accurate derivatives pricing for effective risk management and regulatory reporting policies.

- Providing consultancy in Front-to-Back office implementations for clients in EMEA region. Projects involve cross-functional teams and are covering detailed setup of derivatives pricing and Risk Management reporting 
- Delivering of presales presentations and workshops, including quantitative validation documents on the pricing of financial instruments and risk measurement calculations.
- Providing specialized training on treasury management solutions for the end-users and integration partners in order to uncover system enhancements and new features released
- Preparing of white paper documents as a proposal for best-practice configurations, Yield and Forward curves definition using MultiCurves Framework for Collateralised deals discounting.
- Gathering requirements from the end users and translating into new enhancement requests for future product improvement and development 
- Support of users, mainly Risk Management department. in accurate system setup for derivatives pricing (finetuning Volatility Curves Definitions for IRS, Cap&Floors, Swaptions, CMS)
- Configurations of Credit limits and Risk Indicators reporting using Risk exposure formulas adjustments in FusionRisk

Senior Business Consultant

AlmavivA

Business requirements analysis, implementation and coordination of activities related adaptation of Fusion Capital Kondor+ to the regulatory requirements (EMIR, Dodd Frank Act and MMSR). Delivering implementations directly arising from end-user requests (eg. Reconciliation, Custom Windows, process automatizations etc). The main responsibilities:

▪  Project and customization of interfaces between K+ and other systems of ISP Group architecture. In particular detailed knowledge and collaboration on the development of MarkitWire/K+ Interface for deal importing and OTC clearing workflow.
▪  Preparing and presenting of PowerPoint presentations with Business requirements analysis and drafting of functional analysis documentation;
▪  Involvement in all phases of development process in close collaboration with the technical team;
▪  Devising and execution of System Integration tests and support of final users in the UAT.

Business Analyst at Intesa Sanpaolo Group Services

As a member of application management team, during this step I have developed deep knowledge of Front to Back office trade flows through Kondor+ and analytical skills to match user requirements with appropriate IT solutions. Key responsibilities:

▪  System administration and application management of Mysis Kondor+ for Head Office and Foreign branches of Intesa Sanpaolo.
▪  Setup and customization of reporting tools (Ksql, RisKatcher, Open Report) for Treasury and bank's various departments.
▪  Analysis of calculation methods for financial products and reporting bugs to the development center.
▪  Identification and troubleshooting of anomalies with the interfaced systems in the transactional chain.

Junior Analyst for Intesa Sanpaolo Group Services

As a fintech expert with a deep background in financial services, I drive market development and enterprise sales for SS&C Algorithmics, the global leader in RiskTech, across Southern Europe—focusing on Italy, Spain, and Portugal.

I help financial institutions future-proof their risk management capabilities by delivering innovative, modular software solutions across market risk, credit risk, balance sheet risk, regulatory capital, and performance reporting. With a proven track record in Front-to-Back Treasury and Risk implementations, I bring both technical expertise and strategic insight to every engagement.

I collaborate with banks, insurers, and asset managers to accelerate their digital transformation journey, leveraging the power of cloud-native deployment, intelligent automation, and regulatory-ready analytics. Whether modernizing legacy platforms or navigating complex regulations like FRTB, Basel, Solvency II, ICAAP or IRRBB , I serve as a trusted partner for transformation.

I’m currently focused on driving the adoption of SS&C Algorithmics’ modular, cross-industry RiskTech platform—supporting clients across financial sectors with solutions tailored for cloud, on-premises, or managed services. By combining deployment flexibility with deep domain expertise, we help our clients stay ahead of regulatory change, modernize risk infrastructure, and unlock business value through innovation.

If you're exploring how to modernize your risk stack or boost operational resilience—let’s connect.

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Serge K.

Vitaliy Karaba

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