Business Lending, Reimagined by Vadim Shtivelman

1. A Decade of Results: Vadim Shtivelman in Lending & Growth With over a decade of success, Vadim Shtivelman stands out as a results-driven leader in business lending and growth strategy. At TipTop Capital, he combines deep financial expertise with innovative thinking to deliver tailored solutions in equipment finance and commercial lending. Vadim’s commitment to client success, paired with his sharp prospecting and consultative approach, has fueled significant business expansion. His ability to thrive in fast- paced, high-stakes environments makes him a trusted name in the finance industry.

2. Early Career Highlights (2014-2017) 1 Barclays Investment Bank (2014-2016) As an Analyst in Leveraged Finance, Vadim played a Deutsche Bank (2016-2017) 2 crucial role in transactions exceeding £5 billion. He Advancing to Associate in Corporate Lending, contributed to major deals, including the acquisition Vadim managed a substantial portfolio of financing for Virgin Media (£2.3 billion) and the corporate loans valued over £800 million. He refinancing for Jaguar Land Rover (£1.8 billion). His took the lead in structuring and executing responsibilities encompassed developing intricate complex deals, primarily for small and medium- financial models, conducting thorough credit analyses, sized enterprises (SMEs) within the dynamic and preparing comprehensive due diligence reports, tech and manufacturing sectors. This period laying a strong foundation for his future expertise. honed his skills in direct deal management and client engagement.

3. Timeline of Vadim career progression Vadim Shtivelman career spans over a decade of dynamic growth across the finance sector. He began in mortgage lending, building a strong foundation in client-focused financial solutions. Transitioning into real estate and commercial finance, Vadim developed a keen understanding of market trends and business needs. Today, as a leader at TipTop Capital, he specializes in Business Lending and Equipment Finance. His journey reflects continuous advancement, marked by strategic thinking, measurable results, and a passion for driving client success.

4. Innovation in Lending: Proprietary Platform Development Industry Recognition AI-Driven Platform Enhanced Accuracy Accelerated Approvals Vadim spearheaded the The platform successfully Accuracy in credit risk Globally adopted by over 50 development of OakNorth's reduced loan approval times by a assessment improved by 30%, lending institutions, the cutting-edge AI-driven credit remarkable 40%, significantly leading to more informed and platform's success culminated in analysis platform. This improving efficiency and secure lending decisions. This OakNorth winning the innovative tool dramatically responsiveness for clients. This precision minimized potential prestigious "FinTech Innovation streamlined the lending process, efficiency was a key competitive losses and optimized portfolio Award" in 2019, cementing marking a significant differentiator. health. Vadim's reputation as an advancement in FinTech. innovator.

5. Leadership & Team Building Mentorship and Talent Nurturing Strategic Training Initiatives Productivity Enhancement Vadim has been a dedicated mentor to He meticulously implemented By fostering a highly collaborative and over 15 junior team members, actively comprehensive training programmes, supportive work environment, Vadim fostering their professional development with a strong focus on advanced credit inspired a remarkable 20% increase in and growth. His commitment to analysis and sophisticated deal overall team productivity. This synergy nurturing talent has empowered structuring techniques. These was vital for achieving ambitious targets individuals to excel in the complex world programmes were instrumental in and maintaining a high standard of of finance. elevating the team's collective expertise work. and capabilities.

6. Expansion into New Markets Head of International Lending As the Head of International Lending at Fleximize, Vadim was tasked with spearheading the company's ambitious expansion into key European markets, specifically the DACH (Germany, Austria, Switzerland) and Benelux (Belgium, Netherlands, Luxembourg) regions. This move marked a significant strategic pivot for Fleximize. Rapid Loan Origination Growth Under his leadership, international loan origination surged by an impressive 150% within the first year. This rapid growth was a direct result of his strategic market entry planning and effective execution, demonstrating his ability to quickly scale operations. Strategic Partnership Building Vadim successfully established vital partnerships with over 30 brokers and intermediaries across these new markets. These collaborations were crucial for building a robust pipeline and ensuring broad market penetration. Portfolio Expansion His efforts led to the growth of the international lending portfolio to over £100 million, solidifying Fleximize's presence and market share in these new territories. This expansion diversified the company's revenue streams and reduced geographical risk.

7. Strategic Partnerships & Alliances Industry Collaboration FinTech Integration Investor Relations Vadim possesses a proven track record of He has actively collaborated with cutting- Vadim excels at building and maintaining negotiating and securing highly strategic edge FinTech companies, leveraging their robust relationships with a diverse range of partnerships with pivotal industry players. technological advancements to significantly investors and key stakeholders. His adept His ability to identify and cultivate enhance lending capabilities and streamline communication and transparent approach mutually beneficial relationships has operational processes. These integrations ensure continued confidence and support, consistently opened new avenues for growth have led to more efficient and sophisticated crucial for long-term strategic success and and market penetration. financial solutions. capital acquisition.

8. Community Engagement & Social Responsibility Non-Profit Advisory Roles Charity Fundraising Student Mentorship Vadim has actively served on the advisory He has personally led and contributed to Vadim is a dedicated mentor to boards of three distinct non-profit fundraising efforts for various local charities, underprivileged students, providing organisations, each dedicated to advancing collectively raising over £250,000. These invaluable guidance and support to those financial literacy within communities. His significant contributions have directly aspiring to careers in finance. He helps expertise and guidance have been supported vital community programmes and demystify the industry and provides practical instrumental in shaping their educational services. advice, helping to shape the next generation initiatives. of financial professionals.

9. Conclusion: A Legacy of Growth & Innovation Vadim Shtivelman's career is a compelling narrative of sustained leadership and profound expertise in the interconnected realms of lending and growth. Over the past decade, he has consistently demonstrated an exceptional ability to drive innovation, cultivate strong professional relationships, and generate significant value across various financial institutions. His unwavering commitment to sustainable and responsible investing, highlighted by his pioneering work in green finance, underscores a forward-thinking approach that balances profitability with positive societal and environmental impact. Vadim is not merely a leader; he is a visionary poised for continued success, ready to shape the future of finance with integrity and strategic acumen.

10. Thank You