About
Visionary Product Leader with over 12 years of experience driving digital transformation and growth in insurance and ecosystem development across MENA and Eastern Europe. Expert in Medical & Life insurance, B2C/B2B/B2B2C models, and partner strategies, consistently delivering significant financial impact and market expansion. Proven ability to lead cross-functional teams, shape product strategy, and achieve measurable results, including 15M+ QAR in premiums and 40% digital penetration across large customer bases.
Work
Qatar Insurance Company (QIC)
|Stream Owner / Product Lead, Medical & Life Digital Ecosystem
Doha, Doha, Qatar
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Summary
As Stream Owner / Product Lead at QIC, Elena leads the Medical & Life digital stream across Qatar, UAE, and Oman, defining group-level product strategy, roadmap, and investment priorities for digital insurance ecosystems.
Highlights
Drove 15M+ QAR in cumulative retail Life premiums by owning digital strategy and funnels, establishing a scalable revenue engine and demonstrating strong P&L impact.
Achieved 40% app registration penetration (~170K registered users) across a 400K+ medical portfolio in Qatar, significantly reducing call center dependency and enhancing customer self-service capabilities.
Defined and led B2B medical portfolio migration strategy for UAE (800K–1.2M insured base), delivering digital onboarding and servicing journeys under regulatory constraints to reduce operational costs.
Launched digital-first Life insurance funnels for multiple products, achieving 10–12% visit-to-policy conversion, significantly outperforming industry benchmarks (2-5%) and driving premium growth.
Negotiated and structured partnerships with key ecosystem players (TPA, wellness, health-tech), defining integration models to expand market reach and create new revenue streams through ecosystem partnerships.
Renaissance Insurance
|Head of Product
Moscow, Moscow, Russian Federation
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Summary
As Head of Product at Renaissance Insurance, Elena led a multi-product digital portfolio, managing 8+ cross-functional IT teams to scale product delivery and enhance customer satisfaction and operational efficiency.
Highlights
Improved 'Renaissance Health' mobile app CSI from 3.4 to 4.0 by redesigning key journeys and launching self-service capabilities for insured DMS customers, reducing support ticket volume.
Launched HR portal and operator dashboard, increasing process efficiency by ~20% and optimizing operational costs through automation, contributing to lower hiring needs.
Managed a portfolio of digital products (health mobile app, HR portal, operator dashboard, front/back-office systems) across 8+ cross-functional IT teams, scaling product delivery and establishing agile processes.
Delivered end-to-end product strategy and lifecycle management across multiple initiatives, optimizing post-release based on metrics and customer feedback to ensure continuous improvement.
Sberbank Insurance
|Product Lead
Moscow, Moscow, Russian Federation
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Summary
As Product Lead at Sberbank Insurance, Elena launched a modified 'Card Protection' product and coordinated renewal projects to improve sales conversion and ensure compliance across multiple channels.
Highlights
Launched a modified version of the 'Card Protection' product tailored to sales channel requirements (bank branches), aligning methodology and IT changes to improve sales conversion and enable cross-selling.
Coordinated renewal projects across branches, online, and telemarketing channels, adjusting business processes and technical flows to improve sales performance and compliance.
Renaissance Insurance
|Product Manager
Moscow, Moscow, Russian Federation
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Summary
As Product Manager at Renaissance Insurance, Elena developed and launched new personal insurance products, contributing to significant sales growth and seamless system implementation.
Highlights
Developed and launched new insurance products and programs, contributing to a 15% increase in sales volume across targeted segments and expanding market share.
Designed product parameters and led implementation in front-end and back-end systems, closely working with sales and operations to ensure seamless go-to-market execution.
Uralsib Insurance Group
|Product Manager
Moscow, Moscow, Russian Federation
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Summary
As Product Manager at Uralsib Insurance Group, Elena managed the full product development cycle for personal insurance products across B2C, B2B, and B2B2C segments, ensuring market fit and efficient delivery.
Highlights
Owned the full product development cycle for personal insurance products (travel, accident, health) across B2C, B2B, and B2B2C segments, delivering end-to-end product ownership.
Launched a new front-end system for travel insurance processing and led the transition and training of the sales team to the new platform, improving sales efficiency and reducing processing time.
Education
Russian State University of Trade and Economics
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Higher Education
Finance and Banking, Economy
Languages
Russian
English
Certificates
AI for Managers
Issued By
Nebius Academy
Advanced Jobs To Be Done. The nature of a Product
Issued By
Ivan Zamesin
Data-Driven Product Management Simulator
Issued By
GoPractice, Inc
EF SET English Certificate (C1 Advanced)
Issued By
EF SET
How to make product and business decisions based on metrics
Issued By
Heroes.camp · Product Heroes Course
Team Leadership
Issued By
Yandex Practicum
Skills
Product Strategy & Management
Product Strategy, Portfolio Management, Roadmap Ownership, Product Lifecycle Management, Investment Decisions, Build vs Partner Analysis, Go-to-Market Strategy, Product Development, Product Ownership, Hypothesis Testing.
Insurance & Domains
Medical Insurance, Life Insurance, Digital Health, B2C Models, B2B Models, B2B2C Models, Embedded Insurance, Partner Ecosystems, Retail Insurance, Corporate Insurance, Card Protection.
Business Acumen
P&L Management, Unit Economics, Financial Impact Analysis, Premium Growth, Cost of Servicing, Business Process Improvement, Operations Management.
Methodologies & Tools
Agile, Scrum, Kanban, A/B Testing, Customer Journey Mapping (CJM), Customer Development (CustDev), Market Analysis, Competitor Analysis, OKRs (Objectives and Key Results), Data-driven Decision Making.
Data & Analytics
Funnel Analysis, Datalens, Power BI, Team Metrics, CSI (Customer Satisfaction Index), NPS (Net Promoter Score), Portfolio Performance.
Leadership & Collaboration
Cross-functional Leadership, Stakeholder Management, Team Building, Change Management, Engineering Collaboration, Design Collaboration, Analytics Collaboration, Marketing Collaboration, Legal Collaboration, Finance Collaboration.
Digital Transformation
Digital Ecosystem Development, Digital Adoption, Self-Service Capabilities, Digital-First Funnels, Legacy System Integration, Automation.
Market & Regulatory
Cross-market Delivery (MENA, Eastern Europe), Regulatory Compliance, Market Expansion, Partnership Development, Vendor Management.
Technical Concepts
Artificial Intelligence (AI).