Ivan Merinov has headed the SMSFINANCE Group since 2018. Under his leadership, cutting-edge fintech developments are implemented in the company specializing in online loans. The company is in top five in this sector in Russia. Before joining SMSFINANCE, Ivan Merinov supervised Russian market in Finstar Holding. He managed the Department of Financial Products and Services in SUN LION SDN BHD (Malaysia). He also worked on projects at the investment fund of the European Bank of Reconstruction and Development, Quadriga Capital Russia and Direct Capital Solutions. He has over 12 years of experience in finance. In 2006, Ivan Merinov graduated from MEPhI National Research Nuclear University (former Moscow Engineering Physics Institute). In 2016, he graduated from Massachusetts Institute of Technology majoring in Financial Technologies (FinTech Future Commerce Programme).