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Igor Novikov Ph.D. has extensive experience in the banking and finance sectors, currently serving as Chairman of the Management Board at AS TBB pank since June 2018. Previously, Novikov held key positions such as Business Development Director at Tallinn Business Bank Ltd., and Branch Director at AB Bankas Snoras Estonian Branch, where significant program developments were implemented. Novikov’s expertise encompasses risk management, credit administration, and business development across various banks and financial institutions, including Citadele Bank, Parex banka, and AVR Transservice. Additionally, Novikov has academic experience as a lecturer at Tallinn Technical University and holds a Ph.D. in Financial Economy from Tallinn University of Technology.