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Anna Nikulina has a diverse work experience spanning over several years. Anna began their career in 2003 as a Credit Department Economist at SDM-Bank. Anna then worked as a Senior Loan Officer at Uralsib in 2004 before joining MDM Bank in 2005, where they held multiple roles including Head of Corporate Lending Department, Head of Regional Projects Lending Department, and Project Manager. In 2011, they joined Promsvyazbank as Senior Managing Risk Manager for Regional Portfolio, eventually becoming the Deputy Head of Credit Risk Analysis Department.

In 2018, Anna founded and served as CEO of Smartup Fintech Crowd-lending & investing platform, which successfully sold within a year. Anna then took on the role of Chief Executive Officer at SmartupVenture | Venture Capital in 2019. Anna'slatest venture is as the Co-Founder and CBDO of Neu Ocean Technologies, starting in 2022.

Anna Nikulina is currently enrolled in the School Aspiring Founders program at Y Combinator, starting in 2020. Prior to this, they obtained a Master's degree in Mathematical Engineering with a focus on Mathematical Methods & Computer Technologies in Economics from Perm National Research Polytechnic University. Additionally, they also pursued studies in Corporate Law at the Institute for Professional Development, affiliated with Perm National Research Polytechnic University.