Risk Tech: A Credit Decision in Seconds

Artem Ivanov leads the Risk Technologies department. He describes joining Tinkoff as an engineer, developing a scoring system, and gradually taking responsibility for a large domain. Hiring, technical interviews, and competency matrices helped him understand the expectations of the next level before each transition.

An early scaling challenge was decomposing a monolith that made small changes difficult and blurred ownership. Product teams with clear stakeholders received domain logic, while a core team handled shared technology. Artem later brought scoring, antifraud, and verification into one engineering organization.

The episode follows a risk decision from a customer's application through rules, models, and data sources. Repeated work around model deployment, feature preparation, and monitoring became the foundation for a platform team. Decisions combine online and offline data, while mature components can be shared with adjacent domains.

Leading this organization requires contact with product leads, analysts, and engineers who can design systems independently. Artem audits his calendar to see where time actually goes, contributes to the Staff-plus community, and builds learning around upcoming problems, written notes, teaching, and a sustainable routine.