About impactiive®

Role: Overseeing institutional analysis and development projects, with a focus on financial management, risk management, corporate governance, and internal controls environment.

Florian co-founded impactiive® in 2019 alongside Kubanych Abdraimov and Manish Sane. He brings 28 years of experience building, stabilizing, and modernizing financial institutions across banking, microfinance, asset management, and multi-entity environments, primarily across Southern and Eastern Europe, Central and Southern Asia, and internationally.

His career spans CFO and board roles at ProCredit Bank Albania — where he progressed from Loan Officer to CFO (1997–2004) — First Investment Bank Albania, FINCA Kosovo (2008–2012, capital planning and liquidity management through market volatility), FINCA Microfinance Bank Pakistan, and FED invest Albania. As M&A Coordinator at FINCA International (Washington DC, 2012–2015), he led cross-border equity transactions and institutional restructurings across multiple markets. At Mikro Kapital (Luxembourg, 2018–2021), he built the group-wide internal audit function across multiple jurisdictions as Group Chief Internal Audit Officer. He also served as Board of Directors Member (FINCA Armenia) and Audit Committee Member (FINCA Bank Georgia; FINCA Armenia).

Florian is also the founder of Conspectus — an AI-native, full-stack core banking platform built from 28 years of lived experience inside financial institutions.

Education: MSc International Finance and Management, Staffordshire University; Master in Banking, University of Tirana; Certified Banker, ABA Stonier Graduate School of Banking; CFA Level II candidate.

Languages: Albanian (native), English, Italian (professional working), German (elementary).

florian.dervishi@impactiive.com  |  LinkedIn

Role: Overseeing business development projects, with a focus on overall management issues pursuing operational excellence, productivity & profitability management, activity-based costing, business process re-engineering, M&A, risk management and corporate governance.

Kubanych co-founded impactiive® in December 2019. He brings 25 years of experience in impact finance, retail banking, crisis management, portfolio management, activity-based costing and efficiency management across Eastern Europe (Kosovo, Georgia, Armenia, Azerbaijan), Central and Southern Asia (Kyrgyzstan, Tajikistan, Pakistan, Afghanistan), Middle East and Africa (Jordan, Uganda, Zambia).

Key roles include: Chief Executive Officer (Kompanion, Kyrgyzstan), Chief Operations Officer (FINCA Kosovo; Kompanion, Kyrgyzstan), Crisis Manager (Asian Universal Bank, Kyrgyzstan), HUB Operations Specialist — Activity-Based Costing (FINCA Impact Finance, USA), Assets Consolidation & Mergers Team (Mercy Corps – Kompanion), Chief of Internal Audit (Kompanion; Ai-Ken Microcredit Organization, Kyrgyzstan), and Head of Non-Banking Supervision Department (Central Bank of the Kyrgyz Republic). He has also served as an international business and management consultant across Eurasia, Africa and the Middle East.

Currently: Non-Executive Director, Audit Committee Member, and Chairman of the Risk Management Committee (Demir Kyrgyz International Bank); Board of Directors Member (Chamber of Non-Executive Directors of the Kyrgyz Republic). Previously: Chairman of the Board (Microfinance Association of Kyrgyzstan); Board Member (Kompanion, Kyrgyzstan; Asian Credit Fund, Kazakhstan).

kubanych.abdraimov@impactiive.com  |  LinkedIn

Manish brings 3 decades of financial leadership, mostly in developing markets, spanning micro-lending, FMCG, energy and fintech — of which the last 20 years have been in micro-lending.

Within micro-lending, he has been twice promoted from CFO to CEO: at FINCA Azerbaijan (2006–2013), where he scaled assets from $80M to $240M for its largest subsidiary in a 21-country network; and at Advans Myanmar (2020–2025), where during the first half he navigated COVID-19 and political instability, and during the second half executed a responsible institutional exit. With micro-lending institutions, he not only served on subsidiary Boards, ALCOs, and Audit Committees, but also took part in M&A activities.

Prior roles (1996–2001) include leading the finance function in India, Azerbaijan, Algeria and Kazakhstan.

Qualifications: Chartered Accountant — CA (India) · CMA (India) · CPA (Australia) · ABA Stonier Graduate (USA) · PwC-trained.

Languages: English, Hindi, Marathi (native), Russian (professional working), French (basic).

LinkedIn

Service lines: Institutional Assessments · Organization Transformation Advisory

Over 20 years of experience in financial institution treasury, finance and economic development across Africa, Caucasus, Central & South Asia, CIS, Europe and the Middle East. 18 years in top financial institution and project management, including 12 years as Treasurer. Managed and implemented projects for EBRD, EIB, IFC, and KfW, as well as private sector clients.

Extensive coaching, training and development for employees at all levels, including asset-liability management, FX management, financial reporting, and building institutional staff development capacity.

LinkedIn

Service lines: Institutional Assessments · Full-fledged Management · Executive Secondments · Organization Transformation Advisory

Commercial banking and microfinance specialist with 20+ years of Eurasia and global experience. CFO / Strategic Development Director with three banks and Senior Consultant with four international business consulting firms. Trilingual (English, Georgian, Russian).

Areas of specialization: C-suite commercial bank management; financial analysis, budgeting and planning; financial reporting, accounting and tax optimization; back-office workflow automation; incentive schemes and performance management; banking transformation and enterprise restructuring; strategic planning; new core banking system implementation; turnaround management; treasury management and ALCO/capital management; funding attraction.

Notable successes: Converted a microfinance institution into a fully licensed commercial bank. Successfully managed implementation of a retail core banking system integrated with delivery channels and government e-services. Attracted USD 200 million in funding from ADB, EBRD, IFC, KfW, FMO, Credit Suisse, Deutsche Bank, World Bank, UNDP, BlueOrchard, responsAbility and others. Led issuance of local currency bonds.

LinkedIn

Service lines: Institutional Assessments · Executive Secondments · Organization Transformation Advisory

Over 20 years of work experience, including 13 years with AKDN organizations internationally and over 9 years in extremely challenging environments at top financial institutions and development organizations in Central & South Asia — including 5 years as CEO. Has also served 5 years with FINCA Impact Finance and 3 years with BRAC International.

Proven track record transforming institutions as CEO of FINCA Afghanistan and CEO of BRAC Pakistan. Implemented projects for IFC, KfW, DFID, SDC, AFK, and BRAC.

LinkedIn

Service lines: Institutional Assessments · Organization Transformation Advisory

Greenfield start-up and performance turnaround specialist in financial services and social entrepreneurship. 20+ years Africa, MENA and global experience. CEO with seven microfinance banks and current Board Chair of a Microfinance Bank in Nigeria.

Areas of specialization: C-suite performance management; turning loss-making ventures into profitable enterprises; stakeholder and regulatory engagement; strategic planning and implementation; digital transformation and change management; re-establishing fiscal discipline and performance KPIs; brand repositioning; strategic human leadership and risk-based succession planning.

Notable successes: Delivered sustained bottom-line profitability in just 2 years from a significant loss-making venture, while reducing staff attrition by 50%. Spearheaded the network's transition into digital channels by launching agency and mobile banking initiatives that lowered transaction and client acquisition costs by 30%, with 50% of all bank transactions going through the agent platform within 1.5 years. Led localization of the Africa network by promoting and mentoring Africans into senior management roles.

LinkedIn

Service lines: Institutional Assessments · Organization Transformation Advisory

General management, risk management, and structural turnaround specialist in the finance industry. 40+ years of international experience in a variety of Global, Regional, and Country Head positions with five bank networks (regulated banks and non-regulated microfinance lenders).

Areas of specialization: General management with regional and global oversight across Africa, Eastern Europe, Latin America, India, Philippines and the Pacific Region; bank merger and integration; enterprise and credit risk management; operational risk modelling; credit committee and credit approvals; crisis management and structural turnarounds — high-cost base turnarounds, bad debt resolutions, capital return and profit margin recovery.

Notable successes: Successfully merged two previously competing banks ahead of time and budget. Directed all Enterprise and Credit Risk Management in ANZ subsidiaries in Papua New Guinea, East Timor and Solomon Islands. Managed a bank run in Qatar triggered by the flight of liabilities during the period of concern over an Iraqi invasion of Kuwait — reducing a legacy bad-debt portfolio exceeding 40% of the asset book to under 5% over four years, closing the single largest personal bad debt in the bank on a compromise agreement.

LinkedIn

Service lines: Institutional Assessments · Executive Secondments · Organization Transformation Advisory

Over 25 years of experience in impact finance, international corporate banking and financial services across Africa, Latin America and the United States. 20 years of money center bank experience at Citibank N.A., in corporate international banking in Ecuador, Guatemala and Miami.

Served 5 years in East and West Africa as Board Member of FINCA International in Uganda, Malawi, Tanzania and Zambia, and as Audit Committee Chair for FINCA Tanzania and Malawi. Served 2 years on the Audit Committee of FINCA International Azerbaijan. Also served 4 years as CEO – Country Head at FINCA International Ecuador and 2 years as CEO – Country Head at FINCA Nigeria Microfinance Bank.

Strong proven management skills in: new venture start-ups, reengineering, rightsizing, downsizing, NGO transformation to regulated entities, and global enterprise risk management.

LinkedIn

Service lines: Institutional Assessments · Executive Secondments · Organization Transformation Advisory

Management consultant with extensive expertise in Digital Financial Services (DFS). More than 20 years of experience in payment strategies, payment systems, payment regulations and payments processing. Accountable at executive level in Central Banks, large commercial banks, microfinance institutions and payment processors.

Areas of specialization: Designing transformative DFS strategies for traditional institutions; identifying and specifying DFS solutions for specific markets; developing key stakeholder partnerships; demonstrating viability with funders; ensuring DFS penetrates geographically while preserving vital human relationship factors.

Notable successes: Conceptualized and spearheaded the FINCA Impact Finance Global DFS strategy, transforming the global network from high-touch traditional banking to digital banking. Developed the FINCA Haiti DFS strategy including a peer-to-peer integration with Digicel. Instrumental in the FINCA DRC agency network strategy — securing IFC support and growing the network to facilitate $90M USD in transaction value per month, processing 80%+ of the network through 1,600+ agents in rural and urban areas.

LinkedIn

Service lines: Institutional Assessments · Organization Transformation Advisory

Risk management, credit and non-credit product design, marketing, and transformation specialist in the financial services industry. 20 years of EECCA and global experience. PRMIA certified independent institutional assessor in risk management. Multilingual: English, Dutch, Ukrainian and native Russian.

Areas of specialization: Risk management assessment — gap analysis and strategic action plan development; institutional assessment including due diligence visits and FI analysis; introduction of non-credit services and transformation to full-service banking; non-credit product development, marketing, pilot and rollout strategy; product marketing, customer service and sales training.

Notable successes: Conducted risk management system assessments at 3 MFIs in Central Asia using PRMIA's RMGM best practices, securing Board approvals for strategic improvement plans. Developed WealthArc Investor Transparency and Risk Management Tool for fund managers. Prepared 3 major financial institutions in Central Asia for the introduction of non-credit operations to diversify services and increase market competitiveness.

LinkedIn

Service lines: Institutional Assessments · Executive Secondments · Organization Transformation Advisory

Transformation, business development, internal control, risk management, and MSME lending specialist in the banking and microfinance sector. More than 20 years of experience in Central Asia.

Areas of specialization: Bank and MFI assessments; strategy development and implementation; governance and oversight; MFI transformation including regulatory compliance and digitization; internal control and risk management — auditing systems, improvement programs, AML processes and procedures.

Notable successes: Developed, organized and conducted more than 50 trainings on MSME lending, risk management, strategy development and people management for bank and MFI staff including middle and top management. Developed MFI transformation strategy, digitization strategy and new organizational structure; managed full hiring process for key staff including Management Board; developed all operational procedures and policies. Developed and introduced new internal control tools including red-flags, operational risk assessment and AML systems.

LinkedIn

Service lines: Institutional Assessments · Executive Secondments · Organization Transformation Advisory

Financial management and risk management professional with 20+ years of experience in emerging market financial institutions. Fluent in English, French and Italian; native Albanian.

Areas of specialization: Financial management — financial, management and regulatory reporting; accounting and controlling; financial planning and analysis. Risk management — credit scorecards, loan portfolio monitoring, IFRS 9 implementation (loan impairments). Information systems management — MIS implementation and office automation (reporting, business processes).

Notable successes: Successfully managed the implementation of the Flexcube Retail core banking system. Developed credit scorecards with audit trail, data quality monitoring and KPI reporting. Developed tools for risk analysis, automatic notification of loan approval conditions, and performance monitoring of written-off loans. Designed and implemented automated analysis on roll rate indicators for retail portfolio, and automated financial and management reporting.

LinkedIn

Service lines: Institutional Assessments · Executive Secondments · Organization Transformation Advisory

Information Technology and Digital Transformation specialist with over 20 years of global experience in IT development, implementation, support and technical operations in the microfinance and banking sector. Broad expertise in strategic planning, IT business systems, digital transformation, network operations, IT security and system analysis.

Areas of specialization: Digital transformation — structuring, planning and executing sizable projects; research and adoption of innovative technologies; transformation KPI setting and monitoring. Strategy, planning and implementation — executive oversight of technology programs; capacity building strategies. Relationship management — strategic partnerships with leading vendors and clients; establishing and leading high-performing teams.

Notable successes: Completed end-to-end implementation of a core microfinance and banking system across a country-wide branch network comprising a head office and 19 branches. Successfully executed a Project for Paperless Banking (digital field automation with built-in biometrics using tablets). Selected a new CBS application for a global network subsidiary and implemented a credit scoring system. Integrated with the Afghan government central payment switch to build a digital ecosystem with interoperability among payment service providers. Awarded a World Bank grant for technology innovation including biometric customer authentication, tablet-based customer registration, secure loan documentation and SMS payment alerts.

LinkedIn