IEVA VALAŠINIENĖ

Aspora is a global Fintech company operating across EU, UK, UAE, providing money remittances to Indian expats across the globe. My responsibilities and achievements:

• Was managing licensed entity acquisition and preparations for the MiCAR license in Lithuania.
• Established new partnerships for future markets
• Created and adapted Market Launch Framework across the company.

Responsibilities:

• Own full P&L, market performance, and growth targets for the country.
• Build and execute the go-to-market strategy, including acquisition, activation, and retention initiatives tailored to local diaspora segments.
• Drive regulatory approvals, maintain compliance, and manage relationships with local regulators, banks, payment partners, and community organizations.
• Build and lead a cross-functional local team across business development, operations, marketing, and customer success.
• Identify and manage strategic partnerships (banks, FX partners, community bodies, universities, influencers).
• Ensure operational excellence in onboarding, KYC, payments, and settlements in collaboration with central teams.

Banked: was a global fintech company providing real-time payments across the globe. Company is focusing on improving merchants' legacy experiences, reducing costs and providing operational efficiencies through strategic partnerships with tier 1 banks, such as Bank of America, Citi, NAB and others. During my time at Banked: I was responsible for and achieved the following:

• Was leading the development and execution of medium and long-term EU and UK strategic plans, set the direction for the company's growth and expansion and working with commercial, delivery, product and technology leaders.
• Owned the planning and delivery of strategic projects in the UK and EU, including those necessary to comply with local compliance requirements and those that would lead to increased revenue and/or TPV for the business.
• Managed Direct Merchants across EU and UK.
• Acted as central point of contact for the licensed entity in Lithuania, managed all communications and maintained smooth relationship with the Bank of Lithuania, while ensuring full regulatory compliance.
• Maintained a business plan for the European Market and operations, was fully responsible for entity's full P&L, financial target and resources.
• Developed key operational initiatives to drive and maintain substantial business growth.
• Built and owned productive relationships with industry partners and competitors to support strategic business objectives, such as EU aggregators Yapily, Token, Tink.

CapitalBox is part of publicly traded Multitude group with a footprint in over 25 countries across the world. CapitalBox is providing financing to SMEs and operating in multiple European markets. It's a pure Fintech company with innovative technology. During my journey with CapitalBox, I have held various roles and achieved meaningful results:

• Successfully launched and managed markets across EU and overseas (Australia).
• Have introduced, adopted and scaled new products such as Installment loan, Credit Line, Factoring, BNPL, etc in multiple markets.
• Fully managed an acquisition in Netherlands (value of portfolio approx. 30mln., 18 team members). Integrated the new business into CapitalBox and made it profitable.

Responsibilities:

• Full P&L responsibility and targets achievements for the assigned countries - new launches and most recently Lithuanian and Denmark markets.
• Own and execute the growth plan for the countries, recruit and build the necessary team to achieve this objectives.
• Participating in development and implementation of marketing strategy of the company.
• At all times look for innovations to improve the performance of the business.
• Representing the company and coordinating relations with third parties.
• Organizing the every-day work of the Company, taking care of the everyday economics issues of the Company, making solutions for the local credit-check questions, finding and negotiating with the local partners (financial, invoicing, collection).
• Arranging administration and management of the Company according to the Group policies and principles (including, but not limited to invoicing, debt collection, customer services, loan portfolio risk analysis with HQ risk team, legal issues together with HQ legal team).
• Ensuring the preparation of annual and semi-annual reports and sub-reports.
• Ensuring the compliance of the Company and all these activities with all legal and regulatory acts applicable to private limited companies engaging in credit loan activities in managed markets.
• Overseeing and supervising all compliance/AML/KYC and related processes within the markets.

IPF Digital (Credit24) is a fintech lender providing online consumer credit and mobile financial services across. Working as part of IPF Digital hub team, I was managing the collections process across all IPF Digital businesses. Achievements in IPF Digital:

• Improved overall collections performance by at least 30%
• Set the best collections practice standards across multiple countries
• Was part of launch team in all new EU markets as well as overseas (Australia, Mexico), successfully adapted required collection practices.

Responsibilities:

• Working across all IPF Digital markets (Lithuania, Latvia, Estonia and not only) managing directly all collections managers.
• Managing stakeholders and providing weekly and monthly reports to board.
• Setting up the goals for markets and being accountable for results.
• Managing internal and external partners.
• Liaising with Country managers and collections leads to ensure that the collections process in place in that market is fit for purpose and is fully optimized.
• Seek for efficiencies and help preparing improvement plans for markets.
• Take active part in preparation of IPF Digital budgets.
• Manage target distribution & challenge the performance in the markets.
• Lead on the introduction of collections processes in any new market entered.
• Analyze and interrogate collections performance, producing appropriate reports to review and present to the IPF Digital management team.

• To monitor and inspect the entire project, making sure it complies with the approved schedule, legislation, technical regulations for construction, other compulsory documents.
• Keeping track of real estate price, laws and legislations, store and organize all relevant information.
• Collect and systemize the material needed to prepare an investment project, prepare all the needed analysis, as well as participate in the project.
• Control the contracts of all ongoing projects, particularly any occurring changes, also monitoring and arranging the existing contract modifications.

• Perform daily servicing of the customers assigned to me and the related administration tasks.
• Continuously collect and analyze information about the risks not insured by existing customers and inform the customers about this on a periodical basis as well as submit proposals on the covering of possible uninsured risks.
• Analyze the proposals submitted by insurers, systemize them, prepare recommendations and submit them to a policyholder for review.
• Collect, systemize and timely submit to insurance companies information about insured risks of customers and their changes.
• Accumulate and systemize documentary information about correspondence with an insurer, a policyholder and insured risk. Upon request, submit information for verification to internal and external auditors, state controlling institutions and heads of the company MP Investment Bank hf Baltic Branch (Vilnius).

• Main responsibilities were - daily transaction management, legal confirmation, settlement and reconciliation and accounting of derivative transactions.
• Liaising with the Finance Director, on a daily basis to resolve any operational issues.
• Liaising with trading desk to resolve trade bookings/discrepancies.
• Participation in development of services and financial instruments, creation, build up, implementation and administration of derivatives, including loans, REPO, RE-REPO, CFD (contracts for difference) and investment services.
• Processing cash payments and settling cash, data entry/data verification. Also ensuring that all the documentation is full to its activities in observance with the requirements of the legal acts ofthe Republic of Lithuania and procedure determined in the Company.

• Responsibilities: Set up of New Client information for Cash, International Prime Brokerage, Stock Loan, Derivatives, and Corporate Finance.
• Escalation of incomplete/inappropriate requests as necessary.
• Liaising with internal clients i.e. Sales, Client Services and Relationship Management - Update client data on internal systems and allocate of internal reference codes instructions both trade confirmation details.
• Maintenance offall firm side private data i.e. LM Settlement instruction (Cash and stock, ML downstream systems).
• Production and input of data related projects including STP improvements( Straight Through Vendor initiatives).
• Supporting various business areas in London and Dublin including: Trades Processing, Client services, FOC, Checking, Portfolio Operations, Settlements, and Corporate Actions.