Diagnose first
I do not treat symptoms. I break a metric into a tree and look for the branch that actually moves the result.
At MTS Bank I built the product metrics tree that feature launches were judged by and the backlog was prioritised with.
Open to offers: remote or relocation
Dmitry Kozlov
I turn noise into products.
Four years in fintech: T-Bank, MTS Bank, lead generation for the US market. I find the signal in the data, build a product around it and take it to production. This past year I have done it with AI agents too: five products of my own, from PRD to code.
Product Manager · fintech and AI productsMoscow · working remotely
The signal in 30 seconds
Before and after. Warm is before, cool is after.
before: 31%after: 75%
application-to-sale conversion, FINLEADGEN+142%
before: 9%after: 30%
digital share of sales, MTS Bank, 2024+21 pp
before: 35%after: 50%
landing view to application+43%
before: 1.7after: 2.5
products per corporate client×1.5
5months
from concept to a production platform
5
products of my own, built with AI agents
How I work
Data before opinions
I build the analytics first and argue second. A hypothesis without a measurement is an opinion with good slides.
At FINLEADGEN I built the analytics on PostgreSQL and Metabase myself; lead-routing decisions rest on it.
A decision is made when it is written down
I record every notable decision as an ADR: context, options, the choice and what it costs.
50 ADRs across five products of my own, including the ones I later had to reverse.
AI is a team, not a toy
Agents write the code; I own the product: the spec, the trade-offs and the quality gates a release has to pass.
Rezana: 1,289 automated tests across the backend, the frontend and the API contract.
Work
Two fintech jobs and five products of my own. Hover a row and the field takes the product’s shape.
- JobFINLEADGENtrafficsales
- JobMTS Bank: digital salesbanking loginssales
- Own productSnixta pile of screenshotsa second memory
- Own productSample Zeroa creaking doora track
- Own productRezanagrey-market top-upsa payment with a receipt
- Own productLad Deloperational chaosa system in 60 days
- Own productFartGuardan awkward noisea DJ set
Experience as release notes
Every job is a version. A major one when the role or the market changed.
Own products · Lad DelAI-native builder
- newFive products from PRD to code with AI agents: Snixt, Sample Zero, Rezana, FartGuard and the Lad Del website
- newPartner for product and processes at the Lad Del management team
- process50 architecture decisions recorded as ADRs, reversed ones included
Money Broker LLC · FINLEADGENProduct Manager, USA (remote)
- newLead-generation platform for US consumer finance: concept to production in 5 months
- growthApplication-to-sale conversion 31% → 75% after reworking ping/post routing
- growthLanding conversion 35% → 50% on paid traffic through A/B tests
- new5 lead buyers over API: auction, routing, postbacks
- reliabilityState-level routing restrictions for TCPA, FCRA, CCPA and CFPB rules
ROLF GroupSenior Business Analyst, project
- newGreenfield CRM “Flora” for the service business of a top car dealer, replacing legacy
- newEnd-to-end analysis of 7 domains: work orders, parts, warehouse, subcontracting, warranty, insurance, billing
- reliabilityAnti-fraud and error controls with an audit trail; integrations with OMS, WMS, accounting and Audatex
MTS Fintech / MTS BankProduct Manager, corporate digital banking, team of 12+
- growthDigital share of sales 9% → 30% in 2024
- growthMAU-to-sale conversion ×2, products per client 1.7 → 2.5
- newPayroll product from scratch as Product Owner: MVP in a year, team of 10–15
- reliabilityIncidents −18% after monitoring screen load times and errors; NPS ×1.5
MTS BankBusiness Analyst, corporate digital banking
- pivotMoved into corporate banking; five months later, into the Product Manager role
T-BankBusiness Analyst
- newNew processes for staff and customers; growth hypotheses tested on data
T-BankClient Manager
- newFirst release in fintech: serving the bank’s English-speaking customers
Charles University, PilsenMedicine
- pivotMedicine → informatics. The habit stayed: diagnosis first, treatment second
How I build with AI agents
Agents write the code. I own what would not exist without me: why, for whom, what counts as success and where the quality bar is.
- 01
Research
Market, personas, competitors and unit economics, before the first line of code.
- 02
PRD
What we build and what we don’t. Success criteria in numbers.
- 03
Decisions
Every notable choice is an ADR: options, cost, triggers for revisiting.
- 04
Agents
Claude Code under the project’s rules: CLAUDE.md, skills, hooks and documentation that updates itself.
- 05
Gates
Tests, types, linters and product gates like presence ≥ 0.5 in Sample Zero.
- 06
Release
Every push to main builds and ships to testers. Status is written down honestly.
- lines of product code
- 175K
- lines of tests
- 35K
- recorded decisions
- 50
- lines of documentation
- 49K
Counted by a script across the repos on 23 September 2026
Skills and languages
Product
- Product strategy
- Roadmap
- Discovery
- CJM
- JTBD
- MVP
- Unit economics
- A/B testing
- CRO
- Go-to-market
- Metrics tree
- OKR / KPI
Data and tech
- SQL
- Python
- PostgreSQL
- Metabase
- Google Analytics
- REST API
- Swagger
- BPMN
- UML
Domain
- Fintech
- Digital banking
- Corporate banking
- Consumer lending
- Lead generation
- Ping/Post
- Marketplace
- B2B2C
- CRM
- TCPA · FCRA · CCPA · CFPB
AI and tools
- Claude Code
- Cowork
- MCP
- AI prototyping
- Jira
- Confluence
- Figma
- Miro
- Agile / Scrum
Languages
- Russiannative
- EnglishC1
- CzechC1
Education
Plekhanov Russian University of Economics, Moscow
B.Sc., Applied Informatics in Economics, 2026
Charles University, Pilsen
Medicine, 2020
Did not finish. It left me the habit of diagnosing before treating.
Ask my AI twin
It knows what this site says, and nothing more. If it does not know, it will say so.
One step left in the funnel
Looking for a Product Manager role in fintech or AI products. Remote or with relocation.
In Moscow it is ——:——I usually reply within a day