Artem has over a decade of experience in the financial sector. Prior to joining 4finance, he was a risk manager within BNP Paribas Group and senior consultant in Black Pine’s projects targeted at the Central and Eastern European region. Artem effectively led the Risks and Analytics department at consumer lender DFI between 2017 and 2021. Artem has a Lomonosov Moscow State University degree in mathematics with a specialisation in probability theory.