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Ludmila Lagutina is a seasoned System Analyst at lifecell Ukraine, with a professional background in risk management across various financial institutions. Experience includes serving as a Methodologist for Corporate and SME Risk Management at Первый Украинский Международный Банк, Head of Unit for SME Risk Management at Delta Bank, and Analyst roles in SME Risk Management at First Ukrainian International Bank and Alfa Bank Ukraine. Ludmila holds a Master's degree in Project Management and a Bachelor of Science in Finance from KROK University of Economics and Law in Kyiv, Ukraine.