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PK
Available for opportunities
Toronto, Canada

Pavel
Kuznetsov

Head of Products & Growth · AI Transformation Lead · Head of Marketing & Positioning. 20+ years building internet products and teams — from a SaaS exit to Canada's most AI-integrated mortgage ecosystem.

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AI Transformation Lead Head of Products & Growth Serial Founder FSRA Licensed · #10428 Fintech & Mortgage Local LLM · Qwen 3.7 LLM Integration SaaS Architecture Head of Marketing & Positioning Founder-to-Exit · 2018 Toronto · Canada AI Transformation Lead Head of Products & Growth Serial Founder FSRA Licensed · #10428 Fintech & Mortgage Local LLM · Qwen 3.7 LLM Integration SaaS Architecture Head of Marketing & Positioning Founder-to-Exit · 2018 Toronto · Canada
01 About

From founder exit
to AI Transformation Lead.

From a successful serial founder with 20+ years building online platforms and teams to AI Transformation Lead — now at the forefront of deploying AI as a core operating system in North America's fintech and lending market.

Over the last years, systematically integrated AI into every layer of business — rapidly launching and validating new products using AI, then embedding it deep into operations: consumer intake, lead qualification, document review, rate monitoring, workflow automation, and advisory delivery — replacing manual processes with intelligent systems that scale without proportional headcount growth.

Management Experience: 20+ years hiring, building, and leading development teams across multiple countries and product cycles — working with hundreds of specialists across the full stack. Know where every team excels and where friction builds — and how to deploy AI precisely at those points to amplify output and empower teams to achieve results beyond what headcount alone can deliver.

Founder Experience: Founded and scaled CMSE — one of the earliest SaaS platforms in Russia — to the top-2 position in the niche SEO market, 50+ team across 3 international offices (Saint-Petersburg, Russia · Hanoi, Vietnam), and a full founder-to-exit with acquisition by SAPE after 12 years of profitable growth.

20+
Years building internet products and teams
50+
Team members built & led
10+
Projects & products successfully launched
5+
AI products built & in active development
02 Experience

Three companies.
20 years.

Apr 2019 — Present
7+ years · Toronto, Canada
Fintech | SaaS | AI
HMA Brokerage
& Rusland Capital
Head of Products, Growth & AI Transformation
5+Products built
FSRA #10428Licensed entity
55+Lenders connected

Joined at the early stage and designed the full product, growth, and go-to-market strategy — building the company from zero. Led a complete AI transformation: replacing manual operations with intelligent systems covering consumer intake, lead qualification, document review, rate monitoring, and workflow automation across all products and teams. Every platform compliant with FSRA, FINTRAC, PIPEDA, CASL, and MBRCC Guidance.

AI Transformation Product Strategy LLM Integration SaaS Architecture Fintech & Mortgage Regulatory Compliance
Nov 2017 — Mar 2019
1 yr 5 mo · Toronto
Consumer Lending
LoanAway Inc.
Chief Marketing Officer
+267%Customer growth
$1.8MAnnual budget
$70KSEO value built

Rebuilt the entire acquisition infrastructure from scratch — new website, full conversion funnel, and performance marketing engine in a highly competitive Canadian lending market with strict CPA constraints. Grew Google reviews from 2.1 to 3.6 through structured reputation management.

Growth Marketing CPA Optimization Google Ads Meta Ads SEO Funnel Engineering
Jan 2006 — Jul 2018
12 yr 7 mo · Russia
Acquired by SAPE
CMSE
Founder & CEO · Acquired 2018
Top 2Russian SEO market
50+Team members
3Int'l offices

Founded one of Russia's first SaaS marketplace platforms — a fully automated two-sided transaction system for SEO link placement, built before marketplace models were standard. Grew from zero to top-2 market position, scaled to 50+ employees across 3 international offices (Saint-Petersburg ×2, Hanoi), then exited via acquisition by SAPE.

Founder-to-Exit 0→1→Scale Marketplace Design SaaS Monetization International Ops
03 Products

Built from zero.
Running live.

Every product conceived, designed, and shipped under my direct leadership.

01
ApplyEasy
Mortgage CRM & Workflow Platform
Active · 2019 – Present

Proprietary SaaS built to replace all fragmented third-party tools — the central operating system for deal management, client tracking, document handling, and workflow automation across the entire brokerage network. The backbone connecting every other platform in the HMA ecosystem.

applyeasy.ca ↗
02
CANAHO
Canadian Home Improvement Program®
Active · 2019 – Present

Zero-down renovation financing with Complete It™ protection — a 3-way legal contract with milestone-based staged payments ensuring project completion. Built for homeowners, real estate professionals, brokers, and home sellers.

Profitable business
canaho.ca ↗
03
CMRP
Canadian Mortgage Relief Program
Active · Launched Mar 2026

Reinvents mortgage renewal from the ground up. AI handles consumer intake, qualification, and lender matching across 55+ lenders — with RATEFLOW rate-drop guarantee ensuring the best rate before closing. Free to consumers. Lender-funded model.

55+Lenders
$14,820Avg. member savings
$0Consumer fees
cmrprogram.ca ↗
04
LeadSoft
AI Marketing & Lead Automation CRM
Active · 2026

Built by 2 people in 3 months using Claude Code. Replaced the entire marketing department — AI voice agents call leads, qualify, and transfer live with zero human involvement from capture to handoff. Multi-channel outreach, NODE visual automation builder, internal booking system, social media planner.

0Human touchpoints
3 moBuild time
2People built it
leadsoft.ca ↗
05
Local LLM
AI Mortgage Document Review · Qwen 3.7
Active Development · 2026

Locally hosted open-source LLM pipeline automating mortgage document verification — 20+ document types, dual-extraction loop, bank statement fraud detection, and cross-document reconciliation. All processing on HMA infrastructure. Compliance assessment running in parallel: FSRA, FINTRAC, PIPEDA, CASL, MBRCC.

20+Document types
3Pipeline layers
LocalOn-premise only
06
CMSE
SEO Marketplace SaaS · Russia
Acquired by SAPE · 2018

Founded one of Russia's first two-sided SaaS marketplace platforms for SEO link placement — built before marketplace models were standard. Grew to top-2 market position, scaled to 50+ employees across 3 international offices (Saint-Petersburg ×2, Hanoi), then exited via acquisition. Full 0→1→exit lifecycle.

Top 2Russian SEO market
50+Team members
12 yrUntil exit
cmse.ru ↗

AI isn't the
strategy. It's the
operating system.

HMA Brokerage & Rusland Capital runs a fully integrated AI ecosystem across every stage of the mortgage journey — from the first ad impression to the signed deal. Every product is interconnected, sharing architecture, data, and AI workflows as a single intelligent operating system. No fragmented tools. No manual handoffs.

Lead Capture & Multi-Channel Outreach

LeadSoft runs AI-driven email campaigns, SMS sequences, and Meta paid ads from a single platform — feeding all leads into a unified pipeline automatically.

AI Voice Qualification

Voice agents (Retell AI + ElevenLabs) call leads within minutes, qualify the full mortgage profile, and make the routing decision — 0 human involvement from capture to live transfer.

Consumer Product & Positioning

CMRP is a consumer-facing brand and product — positioned as a standalone mortgage renewal platform, not a lead funnel. Designed to attract and convert borrowers through direct consumer trust rather than brokerage outreach.

RATEFLOW Rate Monitoring

Automated live lender feed tracking. If rates drop before closing, RATEFLOW applies the adjustment automatically — Rate Drop Guarantee, no action required from the client.

Local LLM Document Review

Locally hosted Qwen 3.7 pipeline processes 20+ mortgage document types — fraud detection, cross-document reconciliation, missing field detection. All on HMA infrastructure, zero data leaves the org.

Workflow & Deal Automation

ApplyEasy orchestrates the full deal lifecycle — intake, document collection, status management, compliance checks, and agent routing — across the entire brokerage network on one platform.

01
Ad & Outreach

LeadSoft runs paid ads, email sequences, and SMS campaigns. Lead enters the pipeline automatically.

02
AI Voice Call

AI agent calls the lead, qualifies their mortgage profile, and routes — zero human involvement.

03
Lender Matching

CMRP matches across 55+ lenders in real time. RATEFLOW monitors rates and guarantees the best available rate before close.

04
Document Review

Local LLM pipeline processes all submitted documents — flags issues, detects fraud, cross-validates the package.

05
Agent Close

Licensed FSRA agent receives a fully qualified lead with complete context, reviewed documents, and lender options pre-loaded. Human makes the final decision.

04 Skills

What I bring
to the table.

AI Workflow Automation & LLM IntegrationExpert
Product Strategy & 0→1 BuildsExpert
Growth Marketing & Paid AcquisitionExpert
Engineering Team ManagementExpert
SaaS Architecture & Marketplace DesignExpert
Fintech & Regulatory ComplianceAdvanced
All Tools & Platforms
Claude AI / Claude Code Anthropic API OpenAI API Gemini AI Retell AI ElevenLabs HeyGen Instantly.ai Flux Krea AI Google Ads Meta Ads Ahrefs Google Analytics Google Search Console Figma Canva CapCut GoHighLevel Infusionsoft Jira Notion Trello Twilio SendGrid Plivo Filogix
Languages
🇨🇦 English — Full Professional 🇷🇺 Russian — Native
05 Contact

Let's build
something
great.

Open to senior product, growth, and AI transformation roles — and strategic conversations with founders building in fintech, SaaS, or AI-powered operations.

Send Email ↗
📞 Phone +1 437 986 6477 ✉️ Email speeon@gmail.com 💼 LinkedIn Pavel Kuznetsov
Availability
Toronto · On-site Hybrid Remote Canadian Citizen