Looking for a job

Victor Lipov

@victorlipov

Decision-systems engineer building audit-ready operational and AI decision software, shipping to production with human-in-the-loop control.

Portugal

Message

What I'm looking for

I’m looking to build and run operational decision systems end to end - human-in-the-loop governance, append-only audit trails, and AI-assisted classification, then ship reliably into production. I want environments where decision architecture matters and teams stay accountable.

I build the operational systems a business runs on, and I stay on to run them - not dashboards or advice, but the working software that carries the daily operation.

Fifteen years in credit risk taught me to turn messy inputs into decisions that survive an audit. I ended as Head of Credit Risk at EuroChem Group, owning risk across all sales regions over a ~EUR 500M trade-receivables portfolio, where I built a score → approve → control decision pipeline in production. Before that, corporate lending and structured finance at UniCredit Bank on project finance, M&A and restructuring deals up to EUR 30M. In Dubai I built a credit-decision operation from the ground up and led a team of ~10.

I build software with the same spine: classify the inputs, keep a human in control of what matters, and record why every decision was made.

Recent work for mid-market clients: a procurement decision system for a German industrial manufacturer, built and demonstrated on 109 real notices, which matches each public notice against the client’s catalog with a rules-and-LLM ensemble and routes bid/no-bid to a human over an append-only audit trail. A retrofit operations platform I built, shipped and still run - 5 roles, 19 stages, 96% process conformance - carrying a process-mining engine from version one. A product configurator computing ~9,000 valid configurations per line from a couple dozen database rows, whose live catalog API became the matching engine of the procurement system above.

Today I direct a multi-agent delivery pipeline I built and run in my own production, hard-gated on QA, security and GDPR review. The value was never the typing - it is deciding which problems are worth a system, and staying on the hook when they ship.

Experience

Work history, roles, and key accomplishments

Current

Decision-Systems Consultant

Current

Self Employed

Oct 2023 - Present (2 years 11 months)

Build and run operational decision systems for mid-market clients, end to end. Shipped a procurement decision system demonstrated on 109 real notices, a retrofit operations platform still running at 96% process conformance across 5 roles and 19 stages, and a configurator computing ~9,000 valid configurations per line - all through a multi-agent delivery pipeline I built and run.

Append Only Audit Trails Decision Triage Pipelines Multi agent orchestration OpenAI API Integration Python fastAPI React Docker IBM Data Science Professional Certificate

Head of Credit Risk & Receivables

Arvon Management Consulting

Oct 2022 - Feb 2023 (4 months)

Built a credit-decision operation from the ground up and led a team of ~10: onboarding process, credit-committee approval workflow, an internal scoring model, and a counterparty-card CRM linking transactions, credit and insurance limits, and external data providers.

Credit Scoring Onboarding External Data Providers Workflow Design Risk Governance

Head of Credit Risk Management

EuroChem Group

Aug 2019 - Oct 2022 (3 years 2 months)

Owned credit risk across the Group and all sales regions - Europe, North and South America, Asia, Russia - over a ~EUR 500M trade-receivables portfolio. Built a score → approve → control decision pipeline in production: automated API-based scoring against external data providers, automated control points and limit checks, and a segmented approval chain, with self-developed Python automation.

Credit Scoring Score→Approve→Control Pipeline Limit Checks Segmented Approvals

Credit Risk Manager

EuroChem Group

Aug 2017 - Aug 2019 (2 years)

Credit risk management across EuroChem's sales regions on the Group trade-receivables portfolio: counterparty analysis, credit limit proposals and approvals inside the Group credit process, and the control checks behind them. Promoted to Head of Credit Risk Management in August 2019.

Futures Trader

Independent

Dec 2013 - Jul 2017 (3 years 7 months)

Traded FORTS futures full time with disciplined risk management - monthly loss limits and drawdown control. Low-risk strategies returned +18% in 2015 and +12% in 2016.

Futures Trading (FORTS)Risk Management Monthly Limits Drawdown Control

Corporate Lending & Credit Risk

UniCredit Bank

Jan 2007 - Jan 2013 (6 years)

Structured corporate and finance transactions including project finance, M&A, and debt restructuring up to €30M. Performed credit underwriting and supported collateral structuring with controls across Energy & Utilities and Oil & Gas.

Project Finance M&A Credit Underwriting Collateral Structuring Credit Risk