Bank management

Sandro Rtveladze was born in 1984. He graduated from the Georgian Technical University in 2006 with a bachelor’s degree. In 2007, he received another bachelor’s degree from Jacobs University in Germany. In 2008, he completed his Master’s degree in Information Technology and Economics, Integrated Social Sciences, and Financial Economics at the University of Oxford (UK).

He began his banking career in 2009. From 2009 to 2012, he served as Co-Chairman of the Board for Investments and Corporate Affairs at Peoples Bank (Georgia).

From 2012 to 2015, he was the Deputy General Director for Product Development, Sales Channels, and Market Expansion at Liberty Bank (Georgia).

Between 2015 and 2020, Sandro was Head of the Retail Banking Services Unit at Bayport Management Limited in Ghana.

In 2020, he served as Chairman of the Board of TBC Bank in Uzbekistan.

In 2022, Sandro joined OTP Bank (Russia), where he held several leadership positions, including Director of the Consumer Lending Directorate, Director of Retail Business, Deputy Chairman of the Board, and Member of the Board.

From 2023 to 2024, he worked as an advisor to the Chairman of the Board of OTP Bank (Russia).

Since September 2024, Sandro has served as the Chairman of the Management Board of JSCMB Ipoteka bank OTP Group.

Adam Szentpeteri was born in 1972. He received a Master’s degree in Finance and Information Management at the Corvinus University of Economic Sciences in 1996, a Doctor of Law (LLM) degree at the Legal Faculty of ELTE University of Sciences in 1997, and a PHD degree at the Central European University (CEU) in 2007.

Between 1997 and 2013 he was an associate professor at the Faculty of Law at ELTE. As a visiting lecturer he taught Econometrics, Operational Research, Law & Economics and Business Law at CEU, Corvinus and Faculty of Social Sciences of ELTE, respectively.

He joined OTP Group in 2005 as a Macroeconomic analyst. Between 2009 and 2022 he held various leadership positions in Retail, Controlling and Strategy. He was a member of the Supervisory Board at OTP Bank Ukraine between 2012 and 2018 and a member of the Board of Directors at OTP Bank Russia between 2018 and 2022. Between August 2022 and June 2023, he served as the Chief Financial Officer and Board Member of OTP Bank Albania.

In July 2023, he joined Ipoteka bank OTP Group as a Deputy Chairman of the Management Board, Head of the Strategy and Finance Block. Since September 2023, he has been responsible for the Transformation program of Ipoteka bank.

Viktor Vorobey was born in 1981. He graduated from Pazmany Peter Catholic University in 2005.

Viktor began his career in 2006 as a Legal Consultant at the Prandler and Petroczy Law Firm in Budapest.

From 2007 to 2010, he worked at OTP Bank as a Special Manager/Specialist, focusing on loans.

Between 2010 and 2017, Viktor served as the Director of the Collection and Work-out Directorate at OTP Bank in Ukraine.

From 2017 to 2023, he was the Chief Risk Officer and Executive Director of Risk Management at CKB (Commercial Bank of Montenegro).

Since June 2023, Viktor has been serving as the Deputy Chairman of the Management Board of Ipoteka bank OTP Group, where he is responsible for the Risk Management Block.

Dmitriy Sapronov was born in 1978. He graduated from the Engineering Faculty of the Air Force Engineering Academy in Moscow in 2000. In 2007, he obtained an MBA in Banking Management from the Financial Academy in Moscow.

Before joining OTP Group in 2010, Dmitry held various managerial positions at several banks, including Rosbank, Home Credit & Finance Bank, and Sberbank, where he worked as a manager, department head, and deputy director.

From 2010 to 2014, he worked in various management roles within the Retail Division of OTP Bank in Moscow.

From 2015 to 2017, Dmitry served as the Director of Product Development and Management at Home Credit Consumer Finance Company in China.

Between 2017 and 2023, he was the Director of the Product and Business Development Center at VPBank SMBC Finance Company in Vietnam.

Since June 2023, Dmitry has been serving as the Deputy Chairman of the Management Board of Ipoteka bank OTP Group, where he is responsible for the Retail and MSE Block.

Elyor Inomjonov was born in 1978. He graduated with a bachelor’s degree from the Tashkent Institute of Irrigation and Agricultural Mechanization Engineers in 1999. He obtained a Master’s degree from Tashkent State University of Economics in 2003, and further advanced his education by completing studies at the Higher Business School under the Academy of State and Community Development under the President of the Republic of Uzbekistan in 2010, and at Hitotsubashi University in Japan in 2013, specializing in accounting and audit, banking and finance, and state finance management.

Elyor began his career in 1999 at the National Bank of Foreign Economic Activity, where he gained significant experience in retail banking, foreign affairs, credit monitoring, and management, serving until 2004.

From 2005 to 2015, he worked at the Central Bank of the Republic of Uzbekistan in various roles, eventually becoming the Head of a Special Department.

Between 2016 and 2018, Elyor served as the Head of the Foreign Affairs Division and Head of the Corporate Banking and Market Instruments Management Block at Ipoteka bank.

From 2019 to 2021, he was the First Deputy Chairman of the Board and Head of the Corporate Banking Activities and Market Instruments Block at Ipoteka bank.

From 2021 to 2024, Elyor held the position of Chairman of the Board at Ipoteka Bank.

Since September 2024, Elyor has been serving as the Deputy Chairman of the Board and Head of the Corporate Governance Block at Ipoteka bank.

Nodirbek Rakhbarov obtained his degree from Tashkent State Agrarian University and Master's degree from the Academy of Banking and Finance of the Republic of Uzbekistan and State and Society Building Academy under the President of the Republic of Uzbekistan in the sphere of accounting, audit, banking and state and society building.  

From 2001-2013 he worked in JSC Tadbirkorbank, the Central Bank of the Republic of Uzbekistan and OJSCB Agrobank, JSCMB Ipoteka bank at the beginning as a specialist and later as head of unit and division, taking part in the processes of accounting, investment and maintenance of credit organizations.

From 2016 to 2020, he worked as the Deputy Chairman of the Board of Directors of the "Uzbekozigokatzakhira" association.

From 2020 he served as Deputy Chairman of JSCMB Ipoteka bank.

In 2002, Irakli Elashvili graduated from Tbilisi State University named after Ivane Javakhishvili (Georgia) with a Bachelor’s degree in "Banking and Finance." In 2008, he graduated from the London Business School (United Kingdom) with a Master’s degree focusing on finance and private equity. As part of his studies, he completed a course at the UCLA Anderson School of Management (USA).

In 2006, he was honored with the Management Consultancies Association Award in London (United Kingdom). In 2018 and 2019, his work was recognized with the EMEA Finance Awards for Best Investment Bank in Georgia.

2000–2003 – Management Consultant, USAID Projects: Georgia Energy Security Initiative.
He participated in projects aimed at enhancing Georgia’s energy security.

2004–2006 – General Director, Power Utility Turnaround and Privatization Project (Georgia).
He managed two subsidiaries of Georgia’s largest state-owned energy enterprise.

2006 – Chief of staff, Power Utility Turnaround and Privatization Project, PA Consulting Group (Georgia).
He played a key role in one of the most successful privatization processes in Georgia, coordinating efforts between the government and investors.

2008–2011 – Associate Specialist, Leadership Development Program, Barclays Bank (United Kingdom).
He developed the bank’s European strategy and worked on financing projects in the renewable energy sector.

2011–2012 – Business Development Director, Corporate Banking, Barclays Bank (United Kingdom).
He expanded the lending business in Western Europe, the UAE, and India, while overseeing financial performance and managing international teams.

2012–2014 – Vice President, Chief Operating Officer for Special Projects, Global Treasury, Barclays Capital (United Kingdom).
He led the group’s strategic projects, achieving a profit increase of £1 billion through capital and financing optimization.

2015–2017 – Mergers and Acquisitions Banker in the Financial Institutions Sector, BNP Paribas (United Kingdom).
He advised on transactions involving the acquisition of European banks, capital raising, and the development of financial strategies.

2017 – Mergers and Acquisitions Advisor to the CEO, NIKOIL Bank (Azerbaijan).
He provided strategic advice to the bank’s management on merger and acquisition transactions.

2017–2019 – General Director, TBC Capital (Georgia).
He transformed an investment boutique into a leading bank and managed transactions in the capital markets.

2020 – Advisor (Georgia).
He advised one of Georgia’s largest banks on business transformation, collaborating with the World Bank and the Pension Investment Council of Georgia.

2020–2021 – General Director, FINCA Bank Georgia.
He led the transformation strategy, implemented Open Banking, and successfully concluded the sale process of the bank.

2021 – Present – Co-Managing Partner, Alpha Capital Advisory (Georgia).
He is the co-founder of an investment banking boutique consultant licensed by the National Bank of Georgia.

2021 – Present – Independent Member of the Supervisory Board, JSC Hamkorbank (Uzbekistan).

2023 – Present – Independent Member of the Supervisory Board, JSC Ukrgasbank (Ukraine).

From 2025 – Deputy Chairman of the Management Board, Head of the Corporate Banking and Market Instruments Division, Ipoteka bank OTP Group.

Maxim Bykov was born on December 3, 1983, in Moscow, Russian Federation. In 2005, he graduated from the Plekhanov Russian University of Economics with a degree in World Economy. In 2024, he successfully completed the Senior Executive Programme at London Business School. 

Maxim began his career in the banking sector in 2004. From 2004 to 2015, he held various positions at Citibank Russia, DeltaCredit Bank, Barclays Bank Russia, and MTS Bank, progressing from a specialist to a department head. 

For ten years (2015–2025), he worked at OTP Bank Russia, where he successfully held the positions of Director of the Collections Department, Director of the Collections and Remote Customer Service Directorate, and Director of the Collections and Operations Management Division.

Since April 3, 2025, Maxim Bykov has served as Head of the Operations Block and Acting Deputy Chairman of the Management Board. On September 29 of the same year, he was appointed Deputy Chairman of the Management Board of Ipoteka bank OTP Group. 

Dmitry Volchek holds a degree in Banking from the Belarusian State Economic University and a degree in Computer Science from the Belarusian Institute of Information Technologies.

He later earned a Master’s in Banking from the WU Executive Academy at the Vienna University of Economics and Business.

 

He began his career in 1998 at the National Bank of the Republic of Belarus, where, until 2005, he served as Deputy Head of Department.

In this role, he developed legislation and methodologies for bank transfers, electronic money and payment cards, facilitating the transition from legacy systems to modern standards.

 

From 2005 to 2016, Dmitry held senior positions at Priorbank (Raiffeisen Group), including Head of the Project Management Office, Chief Digital Officer and Head of Retail Banking.

He was responsible for digital strategy, retail and corporate sales management and business-process transformation.

 

Between 2016 and 2023, he served as Chief Operating Officer, IT Director and Director of Development at Dabrabyt Bank (Belarus).

There, he led technology and operations strategy, oversaw IT governance, managed the product portfolio and optimized core processes.

 

In 2023, Dmitry joined WebPay’s executive team, where he successfully directed IT infrastructure expansion, product launches and partnership development, significantly enhancing operational efficiency and business resilience.

 

In July 2025, he was appointed Deputy Chairman of the Management Board and Head of the Information Technology Block at Ipoteka bank OTP Group.

In this capacity, he leads the bank’s IT transformation, oversees the implementation of innovative solutions and ensures the reliability of its technology infrastructure.

 

Dmitry holds multiple professional certifications, including Professional Scrum Master I (PSM I), ICAgile Certified Professional (ICP), Google Project Management and PMP-level management training.

His expertise and leadership will be key drivers of the bank’s technological advancement.