Ivan Kovalenko is the Co-Founder and CEO of HES FinTech, providing intelligent automation-driven lending solutions to financial institutions since 2012. With over 11 years of experience in FinTech software engineering, they have a strong track record in delivering high-quality products that enhance loan lifecycle management. Additionally, Ivan co-founded GiniMachine in 2017, an AI-powered scoring solution that simplifies credit risk assessment using modern machine learning techniques. They are dedicated to innovating the FinTech sector through cutting-edge technology and customer-centric solutions. Ivan holds a degree from Universität Mannheim, where they studied from 2003 to 2007.