2000, MBA, Imperial College, London, UK; 2009, Executive Programme for Top Managers, INSEAD, France. Over 19 years' experience in the financial sector. 2000-01, with Merrill Lynch, London, UK; 2001-03, Chief Executive Officer, DeltaCredit Bank, the first mortgage bank in Russia; 2003-10, Founder and Chief Executive Officer, City Mortgage Bank, Moscow, part of the Morgan Stanley Group. Currently, Chairman of the Board of Directors, Housing Finance Bank, one of the top 10 mortgage originators in Russia.