About
I build financial products and neobank platforms. I have spent 7+ years in product, across 5 countries on 3 continents. I own strategy, unit economics and P&L, and I have led teams of up to 40 people.
Most recently, as Head of Product at Monetech in Mexico City, I took a Buy Now, Pay Later product from spec to live lending in under 6 months. I also rebuilt our product process around AI, with specs written for coding agents.
Experience
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2025
Head of Product at Monetech Servicios
- Launched a consumer lender’s Buy Now, Pay Later product in under 6 months, from spec to live lending.
- Integrated 50 partners across online and offline channels in 2 months.
- Defined the business strategy, financial model and product roadmap; owned unit economics.
- Set up payments and collections with payment providers, from card linking to repayments.
- Rebuilt product processes around AI, from specifications written for agentic development to feature delivery.
- Managed a cross-functional team and its delivery process, capacity planning and releases.
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2024
Fintech Consultant
- Advised a company on acquiring a rural bank in the Philippines.
- Analyzed the local banking market and the regulatory requirements for rural banks.
- Reviewed the bank’s product line for the acquisition decision.
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2022
Product Owner at UnaFinancial
- Built a neobank platform and released new financial products and services on schedule.
- Cut time to market by 3 months with low-code and open-source tools.
- Launched a payment product in the Philippines to raise retention and LTV of credit customers.
- Integrated 30+ banking services to support core products and meet regulatory requirements.
- Set product strategy and goals; owned P&L, unit economics, partnerships and regulator relations.
- Led a product team of 8 to 40 people and ran its hiring and performance management.
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2021
Product Owner at Renaissance Bank
- Launched 4 investment products that met asset and profitability targets.
- Grew daily active users to 400,000+.
- Reached 43% 30-day retention, 24.5% above the industry average, and raised NPS to 37.
- Ran customer research: surveys, in-depth interviews, conjoint analysis, CJM and JTBD.
- Led a cross-functional team, set priorities and coordinated delivery across departments.
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2017
Product Manager at Creative Communications
- Launched 8 digital products for clients; 3 reached the App Store top 100 in their categories.
- Grew paid subscribers of a SaaS data storage and transfer service by 35% and LTV by 12%.
- Launched an e-commerce project with 30%+ repeat purchases and 2.5% conversion in year one.
- Led the product team: defined customer segments, ran discovery and prioritized the backlog with RICE and WSJF.
Product Designer
- Redesigned an e-commerce POS lending widget: usage share grew from 12% to 58% and credit purchases rose 6%.
- Built and integrated 2 design systems to reuse UI components and cut interface development time.
Skills and education
- Fintech
- Consumer lending, credit risk, payments, open banking, core and internet banking, investment products, regulatory compliance, partnerships
- Product
- Strategy and vision, go-to-market, launches, user research, customer journey mapping, A/B testing, retention, hiring, Scrum
- AI
- Generative AI, LLMs, workflow automation, spec-driven development
- Education
- Bachelor’s in Cultural Studies (Management in Culture and Arts) · Russian State Social University, Moscow, 2020
- Languages
- Russian (native), English (C1)
Contact
I’m open to Head of Product and CPO roles in fintech, and to advisory work. Use the form below or write to egorsmth@icloud.com.