Serhii Karaulov

Retail Lending Director

Raiffeisen Bank Ukraine

Serhii Karaulov is an entrepreneurial banking executive with over 15 years’ experience launching and scaling data-driven digital products, CRM-led customer strategies, and embedded finance innovations in retail banking. As Tribe Leader and Director at Raiffeisen Bank Ukraine, he drives lending transformation, leveraging deep expertise in new business models, fintech partnerships, and hypothesis-driven product validation. Serhii is skilled in cross-functional venture building, product–market fit discovery, and enabling growth within agile, highly regulated environments.