Julia Kaverina is a seasoned professional in Sales Management with years of experience in the retail business and SME. She specializes in regional development and has an impressive sales product portfolio that includes lending, deposit services, investment products, insurance, and many more commission products. Julia studied at NNGU, where she earned a degree in economics and management, and also holds a law degree from the same institution. She furthered her education at Moscow's High School of Economics, where she obtained a Master's in Business Administration (MBA) with a focus on strategic management. Julia has worked at several banks, including UniCredit, Rosbank, Uralsib, and ORIENT EXPRESS Bank, where she was the Head of Retail Sales.