Building AI-powered products at scale — leading LLM agents and ML-driven experiences in fintech. Five years across Yandex and Tinkoff, and a curiosity that never quits.
I'm Sergei — 27, based in Moscow, building AI products by day and chasing the next wave, slope or rally by everything-else.
I'm happiest when I'm learning something with my hands as much as my head. The same instinct that pulls me into a tricky product problem pulls me onto a tennis court at 7am, into a surf lineup in Bali, or down a fresh snowboard line. Curiosity is the throughline.
My constant. Early courts, long rallies, the one sport I never skip.
Bali taught me patience. You don't fight the ocean — you read it.
Winters point downhill. Fresh lines, cold air, full focus.
A dozen-plus countries across three continents — and a list that keeps growing. Travel is how I reset: new places, new problems, new ways of seeing the familiar ones.
Everyone's got a goal that's pure want. Mine has four wheels and a badge. Working on it.
LLM agents · Credit domain
Leading the LLM-agent direction in the bank's credit domain — owning strategy, roadmap and delivery for agent-driven customer scenarios. Accountable for a ~25-person product team.
AI Center · Chat & voice bots
Yandex Fintech · BNPL
BNPL services for external merchant platforms.
Ride-Hailing · Yandex Taxi (Comfort & Premium, RU/CIS)
AdTech · Yandex Business (automated advertising for SMBs)
Central Bank of Russia · Banking Supervision Support
Credit-risk analytics supporting the bank's supervisory function.
Sberbank
First steps in data — analytics and reporting inside Russia's largest bank.
Economics · Finance & Macroeconomics
Physics · Nuclear & Medical Physics
Building something interesting in product or AI? Want to compare notes on surf spots? The fastest way to reach me is Telegram.
Sergei.
© 2026 Sergei Okladnikov · Moscow