Chief Technology & Data Officer at B9
Florida, United States
Mikhail Matveev
Council Member
Mikhail Matveev is a Technology, Data, and AI executive with over 15 years of experience building and scaling digital banking and lending platforms. His career spans consumer fintech, digital credit, and enterprise data architecture, with a record of building technology organizations from the ground up and delivering measurable business results across multiple markets.
Mikhail Matveev currently serves as Chief Technology and Data Officer at B9, Inc., a U.S. fintech banking platform offering payroll banking, earned wage access, credit-building, and financial wellness solutions, a role he has held since April 2021. In this position, he combines executive leadership with direct product ownership and technical delivery, having built and scaled a mobile banking platform that now serves over 1.5 million customers and generates eight-figure annual revenue. He architected the enterprise technology, data, and cloud platforms that support hundreds of millions of dollars in annual transaction volume, keeping infrastructure costs flat as the business expanded. Among his most significant technical contributions is a real-time decisioning engine for personalized offers, dynamic pricing, and credit limit assignment, which increased conversion by 20%. He also led the company's AI transformation efforts, including a conversational executive decision-support agent and an in-app AI customer support agent that reduced the customer support workload by 65%. To execute this work, he hired and built a cross-functional team of more than 30 professionals spanning engineering, data, AI, quality assurance, and DevOps.
Prior to B9, Mikhail Matveev served as Head of Data at Cashwagon Pte. Ltd. from March 2018 to March 2021, a digital lending platform operating across six Southeast Asian markets with over 2.3 million loans issued and approximately $80 million in annual revenue. He architected and scaled the enterprise data and cloud infrastructure that underpinned those operations, and developed analytics-driven growth and pricing models covering customer segmentation, cross-sell, repeat offers, and retention, improving sales efficiency by 15% across the business. He also owned the product definition and delivery of a collections optimization model that generated over $600,000 in annual cost savings, and built a 15-person data organization spanning data engineering, analytics, and business intelligence across all six markets.
From February 2016 to March 2018, Mikhail Matveev held the role of Regional Head of Risk Analytics at Infinto, part of Digital Finance International, a member of Finstar Financial Group International operating a digital lending platform across five Southeast Asian markets with over $297 million in annual revenue. He led a regional team of more than 10 professionals in risk analytics, reporting, and portfolio management, establishing standardized reporting, KPI governance, and portfolio performance frameworks across five countries. He designed and implemented credit strategies covering portfolio segmentation, probability of default, loss given default, underwriting, and collections, and developed alternative-data underwriting capabilities including personalized offer models and bank statement analysis technology.
Mikhail Matveev currently serves as Chief Technology and Data Officer at B9, Inc., a U.S. fintech banking platform offering payroll banking, earned wage access, credit-building, and financial wellness solutions, a role he has held since April 2021. In this position, he combines executive leadership with direct product ownership and technical delivery, having built and scaled a mobile banking platform that now serves over 1.5 million customers and generates eight-figure annual revenue. He architected the enterprise technology, data, and cloud platforms that support hundreds of millions of dollars in annual transaction volume, keeping infrastructure costs flat as the business expanded. Among his most significant technical contributions is a real-time decisioning engine for personalized offers, dynamic pricing, and credit limit assignment, which increased conversion by 20%. He also led the company's AI transformation efforts, including a conversational executive decision-support agent and an in-app AI customer support agent that reduced the customer support workload by 65%. To execute this work, he hired and built a cross-functional team of more than 30 professionals spanning engineering, data, AI, quality assurance, and DevOps.
Prior to B9, Mikhail Matveev served as Head of Data at Cashwagon Pte. Ltd. from March 2018 to March 2021, a digital lending platform operating across six Southeast Asian markets with over 2.3 million loans issued and approximately $80 million in annual revenue. He architected and scaled the enterprise data and cloud infrastructure that underpinned those operations, and developed analytics-driven growth and pricing models covering customer segmentation, cross-sell, repeat offers, and retention, improving sales efficiency by 15% across the business. He also owned the product definition and delivery of a collections optimization model that generated over $600,000 in annual cost savings, and built a 15-person data organization spanning data engineering, analytics, and business intelligence across all six markets.
From February 2016 to March 2018, Mikhail Matveev held the role of Regional Head of Risk Analytics at Infinto, part of Digital Finance International, a member of Finstar Financial Group International operating a digital lending platform across five Southeast Asian markets with over $297 million in annual revenue. He led a regional team of more than 10 professionals in risk analytics, reporting, and portfolio management, establishing standardized reporting, KPI governance, and portfolio performance frameworks across five countries. He designed and implemented credit strategies covering portfolio segmentation, probability of default, loss given default, underwriting, and collections, and developed alternative-data underwriting capabilities including personalized offer models and bank statement analysis technology.
Earlier in his career, Mikhail Matveev spent six years from March 2010 to February 2016 in lead analytics roles at several major retail and commercial banks, including Promsvyazbank, Alfa-Bank, Agricultural Bank, and Rost Bank. During this period he contributed to the implementation of data warehouses, analytical data marts, reporting platforms, and database solutions, and delivered work across credit portfolio management, collections optimization, and business intelligence.
Mikhail Matveev has been recognized by Analytics Insight Magazine as one of "The 10 Most Impressive Chief Data and Analytics Officers in 2024." He served as a competition judge at the "Best Data Strategy for Fintech Company in 2019" contest at the VIO 2019 FinTech Conference and Exhibition, and received a Certificate of Appreciation for his mentorship contributions to the Women Go Tech Acceleration Program in 2024. His work has been featured in publications including Analytics Insight, Tech Bullion, and Yahoo Finance.
Mikhail Matveev holds a Master's degree in Finance and Credit from the Russian State University of Tourism and Services, earned in 2010. His technical expertise spans OpenAI and large language model integrations, AI agents, retrieval-augmented generation, vector databases, machine learning decisioning models, Python, SQL, Azure, Azure Data Factory, SSIS, ETL pipelines, distributed systems, Kubernetes, cloud infrastructure, Power BI, and executive dashboard development, applied across fintech, digital banking, earned wage access, credit and risk, fraud detection, KYC and identity, bank data aggregation, and document parsing.
Mikhail Matveev has been recognized by Analytics Insight Magazine as one of "The 10 Most Impressive Chief Data and Analytics Officers in 2024." He served as a competition judge at the "Best Data Strategy for Fintech Company in 2019" contest at the VIO 2019 FinTech Conference and Exhibition, and received a Certificate of Appreciation for his mentorship contributions to the Women Go Tech Acceleration Program in 2024. His work has been featured in publications including Analytics Insight, Tech Bullion, and Yahoo Finance.
Mikhail Matveev holds a Master's degree in Finance and Credit from the Russian State University of Tourism and Services, earned in 2010. His technical expertise spans OpenAI and large language model integrations, AI agents, retrieval-augmented generation, vector databases, machine learning decisioning models, Python, SQL, Azure, Azure Data Factory, SSIS, ETL pipelines, distributed systems, Kubernetes, cloud infrastructure, Power BI, and executive dashboard development, applied across fintech, digital banking, earned wage access, credit and risk, fraud detection, KYC and identity, bank data aggregation, and document parsing.