AI-enabled financial products
Practical AI systems for financial services, where automation, intelligence, user experience, measurement and governance need to work together.
Product Director at Wise
Mike Shebalkov
Fintech, Data & AI Product Leader
I build data-driven financial products, AI-enabled systems and scalable fintech platforms across onboarding, risk, analytics and digital financial infrastructure.
Experience and references
- Wise
- Yandex
- Chicago Booth
- Financial Times
About
Building financial products where product, data and AI meet.
Mike Shebalkov is a London-based fintech, data and AI product leader. He is Product Director at Wise and has built products, platforms and analytics capabilities across financial services, onboarding, risk, digital wallets, machine learning and international fintech markets. His work focuses on turning complex financial systems into scalable, measurable and customer-centric products.
Some earlier publications and interviews use my formal name, Mikhail Shebalkov.
Focus
What I work on
Data-driven product leadership
Product strategy, experimentation, analytics and decision systems that help teams build better financial products with measurable outcomes.
Fintech platforms and onboarding
Scalable product platforms across onboarding, verification, risk, customer journeys and operational workflows.
Growth, risk and operational scalability
Balancing customer growth, risk controls, cost efficiency and operational quality in regulated financial products.
Digital financial infrastructure
Experience across digital wallets, emerging fintech markets and financial infrastructure, with a careful, non-promotional approach to digital assets.
Experience
Selected experience
Product Director
Wise
Product leadership in a global fintech environment, focused on scalable customer journeys, onboarding, risk, AI-enabled systems and data-driven outcomes.
VP / Head of Global Fintech
Yandex
Led fintech initiatives across international markets, combining product, data, partnerships and financial services strategy.
Head of Data & Analytics
Telegram Wallet / TON ecosystem
Led data and analytics capabilities in a digital wallet context, connecting product, analytics and operational decision-making.
MBA
The University of Chicago Booth School of Business
Executive MBA experience focused on strategy, finance, leadership and global business.
Evidence
Selected evidence
A concise set of third-party references, interviews, speaking profiles and public evidence.
Media
Financial Times
Quoted in the Financial Times on UK immigration rules and technology talent.
View reference: Financial TimesSpeaking
Data Products & Platforms Summit
Speaker profile for a data product and platform leadership event.
View reference: Data Products & Platforms SummitInterview
TechTimes
Interview on digital financial solutions and fintech product development.
View reference: TechTimesInterview
Vanguard
Interview on mobile money, fintech growth and emerging markets.
View reference: VanguardJudging
Burning Heroes 2026 London
Jury involvement in a London startup pitch competition.
View reference: Burning Heroes 2026 LondonSpeaking, advisory and media
Selected conversations around fintech, AI and product leadership.
Mike is open to selected conversations around fintech, AI in financial services, data-driven product leadership, onboarding, risk, digital financial infrastructure and international fintech markets.
- Speaking and panels
- Media commentary
- Advisory conversations
- Startup judging and mentoring
Contact
Get in touch
For speaking, media, advisory, project and professional enquiries:
hello@shebalkov.com