Rostyslav Honcharenko

About

Finance master's student with experience in corporate and MSME banking, plus current internship exposure to financial stability and systemic risk assessment at the National Bank of Ukraine. Interested in banking, finance and risk analysis, with research focused on financial stability, bank resilience and digital finance.

Experience

• Financial Stability Intern
  National Bank of Ukraine · Langenau, Germany
  Aug 2026 – Present

  Practical exposure to financial stability monitoring, systemic risk assessment and banking-sector resilience.

• Chief Economist, MSME Department
  Baden-Württemberg JSC Oschadbank · Kyiv, Ukraine
  Apr 2025 – Dec 2025

  Worked with corporate and MSME clients across lending, deposits, merchant acquiring and payroll programmes. Supported overdrafts, investment lending, guarantees, factoring and leasing, alongside FX control and digital banking services. Supported client acquisition and relationship management.

Education

• Erasmus+ Academic Mobility
  University of Jaén
  Feb 2026 – Jul 2026
• International Summer School
  University of Latvia
  Living Traditions: Latvia's Intangible Cultural Heritage · Jun 2026 – Jul 2026
• Bachelor's Degree
  Sumy State University
  Finance, Banking and Insurance · Sep 2021 – Jun 2025
• Master's Programme
  Sumy State University
  Finance, Banking · Sep 2025

Skills

Tools / apps / platforms

Languages

Projects

• The Cloud Exit Paradox
  Systemic risk, cloud failover resilience

  Ongoing research on a Cloud Failover Reserve for Finance. Resilience Atlas is a prototype exploring shared cloud disruption and pre-arranged recovery capacity.

• Neobanks as Drivers of Ukraine's Digital Financial Infrastructure ↗
  Bank resilience, digital finance

  Ongoing research using quarterly data for 71 Ukrainian banks, 2021Q1-2025Q4, examining bank fundamentals, funding structure and digitalisation as factors in resilience.

Courses & certifications

• EY Audit Simulation Game 2026 · EY Ukraine · 2026
• Introduction to Bookkeeping (IBK Test) · Deloitte & Touche USC · 2026
• The Big Audit Theory · Deloitte Ukraine · 2026
• Audit Grand Prix · Forvis Mazars · 2026
• Communication Strategies for a Virtual Age · University of Toronto / Coursera · 2026
• Financial Markets · Yale University / Coursera · 2026
• AI Fundamentals in Financial Services · Saïd Business School, University of Oxford / Coursera · 2026
• Next Generation Finance: Innovation, Sustainability, and Global Impact · Sumy State University and partner universities · 2025
• Jean Monnet International Summer School - Public Debt Analysis: Case of EU-Ukraine · Sumy State University / Erasmus+ Jean Monnet · 2024

🏆 Achievements & awards

• Selected Mentee · 2026

  Selected mentee for competitive European postgraduate applications.

• Third Place - Student Olympiad in Finance, Banking and Insurance

  Sumy State University.

📚 Publications

• Neobanks as Drivers of Ukraine's Digital Financial Infrastructure ↗ · 2025
• The Role of Emotions in Banking Marketing: Impact on Customer Decisions · 2024
• Systemic Changes to the Taxation of Individual Entrepreneurs in 2022 · 2022

🤝 Volunteering

• Ukraine Emergency Assistance Site · Initiative Group Member / Web Project Volunteer · 2023

  As part of an initiative group, developed and launched a web resource helping people in Ukraine find shelter information during wartime.