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Konstantin Ratushniak

@konstantinratushniak

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Senior Product Manager driving growth and scalable payments and fintech products.

Portugal

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What I'm looking for

I seek a product leadership role in fintech/payments or growth-focused teams where I can drive data-led experiments, influence unit economics, and scale products with cross-functional teams.

I am a Senior Product Manager with 7+ years building and scaling web and mobile products across Mobility, Crypto, MarTech and FinTech, experienced in both B2C and B2B contexts.

I focus on data-driven growth through hypothesis-led experimentation, A/B testing and funnel optimisation, and have delivered measurable outcomes such as +23% conversion, +24% retention and improvements to unit economics (ARPU, CAC, LTV).

I have led cross-functional R&D teams (up to 15), introduced OKRs and discovery/delivery rituals, and shipped payments and orchestration solutions (cards, P2P, APMs, open banking, PSP/API integrations) that improved approval rates, reduced failed transactions and scaled partner onboarding.

Experience

Work history, roles, and key accomplishments

Current

Senior Product Manager

Current

Paysonix

Jun 2024 - Present (2 years)

Kicked off and led Growth and Integration product streams for a PSP and SaaS orchestration platform, running 26+ experiments that increased checkout conversion by 23% and reduced support contacts by 46% while improving approval rates and lowering OPEX.

Product Growth A B Testing Checkout Optimization Scrum Kanban

Senior Product Manager

Cryptopay

Jun 2023 - Mar 2024 (9 months)

Led onboarding, platform, API and website product verticals; rebuilt onboarding to achieve a 22% CR increase and 3x faster activation, and ran landing page tests improving conversion by 8% while modeling unit economics to inform GTM.

Onboarding Unit Economics Conversion Rate Optimization API Products Analytics A B Testing Roadmapping

Product Lead

inDrive

Sep 2021 - Mar 2023 (1 year 6 months)

Set up and led the courier/delivery vertical (2M+ orders/month) and a 15-person R&D team, launching a delivery product in LATAM that increased retention by 24% and improving courier conversion and cancellation metrics.

Delivery Team Leadership Roadmapping OKRs Field Research Retention Routing Cross Functional Collaboration Scaling

Product Owner (Cards & FX)

Alfa-Bank

May 2020 - Aug 2021 (1 year 3 months)

Owned card and FX products in the bank app, led two engineering teams and launched Samsung Pay tokenization increasing debit card revenue by 11% while reducing time-to-first-transaction from 14 to 4 days.

Payments Tokenization Product Ownership

Product Manager

Banki.ru

Jun 2018 - May 2020 (1 year 11 months)

Owned roadmap for debit assistant, CMS and landing flows; launched a smart debit assistant that grew payment user share by 11% and rebuilt CMS to cut content ops cost by 25%.

Product Roadmap CMS UX Analytics Team Leadership Content Operations Financial Products