Hi, I’m
Vissarion Karvounis
Fintech Expert
Dubai,DU
Summary
For the last 14 years, I have building companies that bring to life various fintech ideas, founding and exiting two companies.
Dynamic and results-driven founder with 14+ years of experience in leading business transformation, product innovation, and strategic planning across the financial services and banking sectors.
Known for driving operational excellence, managing large cross-functional teams, and spearheading complex platform migrations.
Strong track record in leveraging deep expertise to deliver double-digit growth, optimize costs, and enhance customer experience through innovative products and digital transformation.
Adept at leading high-impact initiatives, including card business transformations, retail and digital banking innovations and projects.
My core competencies include fintech and blockchain expertise, global sales and marketing leadership, product development and management, and team building and collaboration. I have a proven track record of successfully launching and growing fintech businesses and products, such as prepaid cards,debit cards, digital wallets, processing gateways and embedded finance solutions, in various markets and industries.
Overview
34
years of professional experience
6
years of post-secondary education
2
Certificates
Work History
Ergon Solutions EADSofia, Bulgaria
CEO/Product Owner
05.2023 - 05.2024
Job overview
- Offering card processing solutions to high and medium risk merchants.
- Accomplished multiple tasks within established timeframes.
- Maximized performance by monitoring daily activities and mentoring team members.
Streamflow EADSofia, Bulgaria
CEO/Owner
09.2018 - 01.2024
Job overview
- Streamflow EAD was an EMD Agent regulated and authorized by the Financial Conduct Authority, reference number 902074, acting on behalf of Prepaid Financial Services Ltd and Railsbank SA who both was authorized and regulated by the Financial Conduct Authority as an Electronic Money Institution registration number 900036. The Streamflow EAD EMD license has been accepted by BNB from 14th Sept of 2018.
- Issuing prepaid and debit cards, e-wallets with IBAN, fast payments, target 2 functions, SWIFT, crypto exchange and payments vouchers within EU through our own platform.
- In 2022 -2023 become the 3rd bigger issuer based on turn over in Balkans providing and handling over 100k consumer accounts and over 30K merchants accounts
- Streamflow EAD had provide full white labels of Visa and Mastercard within EU such us REVSTO, OKTO, EXCELON PAY, XOR PAY, FILLIT, 28
U-PayThessaloniki, Greece
CEO/Manager
04.2014 - 01.2018
Job overview
- Working as a General Manager at U-PAY we offered in Greece the best E=Money Vouchers and POS systems solution.
- We had serve over 5000 land based merchants and over 10000 online merchants.
- Manage all operations including POS cash collecting all over Greece.
- Expanded market share through successful acquisitions and mergers.
B2B Gaming ServicesAthens , Greece
General Manager, Business Development
07.2011 - 06.2014
Job overview
- Starting as startup online gaming company offering Paas.
- Oversaw budget planning and allocation across various departments to ensure optimal use of resources towards achieving organizational goals.
- Between 2012 to 2014 had become one of the industry leaders in Greece.
- Monitored industry trends to proactively identify emerging opportunities for business expansion and diversification.
- Translated customer needs into solution requirements using powerful value propositions and negotiation skills.
- Managed cross-functional teams to execute business expansion initiatives successfully.
Vezos SAAthens , Greece
Sales Manager
06.2012 - 02.2014
Job overview
- Handled customer relations issues, enabling quick resolution, and client satisfaction.
- Resolved customer issues quickly to close deals and boost client satisfaction.
- Increased sales revenue by developing and implementing effective sales strategies.
- Maintained relationships with customers and found new ones by identifying needs and offering appropriate services.
- Managed key accounts with strategic planning and relationship building, resulting in increased customer loyalty and repeat business.
- Grew sales and boosted profits, applying proactive management strategies and enhancing sales training.
- Assisted in recruiting top talent for the sales team, contributing to a high-performing work environment.
Oceanis SAPiraeus, Greece
General Sales Manager
06.2010 - 02.2013
Job overview
- The biggest company in Greece importing fresh fishes from African countries.
- Handled customer relations issues, enabling quick resolution, and client satisfaction.
- Coached sales associates in product specifications, sales incentives, and selling techniques, significantly increasing customer satisfaction ratings.
- Monitored customer buying trends, market conditions, and competitor actions to adjust strategies and achieve sales goals.
- Increased sales revenue by implementing strategic marketing campaigns and fostering strong customer relationships.
- Developed a high-performing sales team through consistent coaching, training, and motivation techniques.
Karvounis and Son LtdAthens, Greece
General Manager
01.1990 - 02.2008
Job overview
- Family company that imports frozen products from all over the word.
- Increased overall company efficiency by streamlining operations and implementing innovative managerial strategies.
- Collaborated effectively with cross-functional teams on various projects/initiatives aimed at enhancing organizational performance results.
- Implemented operational strategies and effectively built customer and employee loyalty.
- Assisted in recruiting, hiring and training of team members.
- Managed purchasing, sales, marketing and customer account operations efficiently.
- Reported issues to higher management with great detail.
- Scheduled employees for shifts, taking into account customer traffic and employee strengths.
Education
Eurpean Univercity of Finance of KievKiev
Bachelor of Science from International Economics
03.2008 - 06.2014
University Overview
- Economics, markets and finance
Skills
Talent Development
Websites
Languages
Greek, English
Native language
Bulgarian
Intermediate
B1
English
Advanced (C1)
Greek
Bilingual or Proficient (C2)
Interests
Cooking
Games
Padel
Certification
AML Speacialist
Availability
See my work availability
Not Available
Available
monday
tuesday
wednesday
thursday
friday
saturday
sunday
morning
afternoon
evening
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Timeline
CEO/Product Owner
Ergon Solutions EAD
05.2023 - 05.2024
CEO/Owner
Streamflow EAD
09.2018 - 01.2024
AML Speacialist
11-2017
MBA Business & FInance
09-2014
CEO/Manager
U-Pay
04.2014 - 01.2018
Sales Manager
Vezos SA
06.2012 - 02.2014
General Manager, Business Development
B2B Gaming Services
07.2011 - 06.2014
General Sales Manager
Oceanis SA
06.2010 - 02.2013
Eurpean Univercity of Finance of Kiev
Bachelor of Science from International Economics
03.2008 - 06.2014
General Manager
Karvounis and Son Ltd
01.1990 - 02.2008
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