dev.konin@gmail.com

BUILD
MIKHAIL KONIN

Software Engineer

MIKHAIL
KONIN

01/
Mikhail Konin — Software Engineer

COMPLEX FLOWS · BUILT TO SCALE · REAL RELIABILITY

SOFTWARE
ENGINEER

02/

I BUILD DIGITAL
PRODUCTS THAT WORK AND FEEL RIGHT.

WebApplications
SystemDesign
TechnicalLeadership
AgentAutomation
Product
03/2024 — present · Lead Software Engineer

AI
Referent

Legal analytics and audit automation platform — contracts, financial records, registry data, and bankruptcy insights for fintech and insolvency workflows.

{
  "id": "aud_8f21c4e9",
  "requestId": "req_3b91f0a2",
  "status": "completed",
  "company": {
    "name": "ai-referent",
    "inn": "7701234567",
    "ogrn": "1237700123456",
    "industry": "financial_services",
    "registryStatus": "active"
  },
  "analysis": {
    "period": {
      "from": "2024-01-01",
      "to": "2025-12-31"
    },
    "sources": [
      "contracts",
      "bank_statements",
      "tax_returns",
      "egrul"
    ],
    "documentsProcessed": 148,
    "confidence": 0.91
  },
  "risk": {
    "score": 72,
    "level": "elevated",
    "trend": "worsening",
    "breakdown": {
      "liquidity": 81,
      "compliance": 64,
      "counterparty": 58,
      "bankruptcy": 49
    }
  },
  "signals": [
    {
      "code": "cash_flow_gap",
      "severity": "high",
      "confidence": 0.94,
      "deltaPct": -18.4,
      "source": "bank_statements",
      "summary": "Operating cash outflows exceed inflows for 3 consecutive quarters"
    },
    {
      "code": "tax_arrears_spike",
      "severity": "high",
      "confidence": 0.88,
      "amountRub": 4200000,
      "source": "tax_returns",
      "summary": "Unpaid liabilities grew 2.3x vs prior reporting period"
    },
    {
      "code": "registry_mismatch",
      "severity": "medium",
      "confidence": 0.79,
      "fields": [
        "director",
        "legal_address"
      ],
      "source": "egrul",
      "summary": "Director and address differ between registry and uploaded charter"
    },
    {
      "code": "related_party_exposure",
      "severity": "medium",
      "confidence": 0.83,
      "sharePct": 34.6,
      "source": "contracts",
      "summary": "Significant payment volume routed through affiliated entities"
    }
  ],
  "financials": {
    "revenueRub": 128400000,
    "ebitdaMarginPct": 11.2,
    "debtToEquity": 1.47,
    "daysPayableOutstanding": 61
  },
  "reports": {
    "financial": {
      "status": "ready",
      "format": "xlsx",
      "pages": 24
    },
    "bankruptcy": {
      "status": "pending_review",
      "format": "pdf",
      "pages": 12
    },
    "auditTrail": {
      "status": "ready",
      "events": 37
    }
  },
  "recommendations": [
    "request updated EGRUL extract",
    "validate counterparty payment chain",
    "schedule analyst review for bankruptcy module"
  ],
  "generatedAt": "2026-07-19T05:12:44.000Z",
  "processedInMs": 18420
}
04/
Software Engineer+ Product Focus

Building software
that works well
and feels right

M
I
K
H
A
I
L
K
O
N
I
N
05/
Let'sHAVEa chat
01/PLATFORMTHINKING

MIKHAILKONIN

SOFTWAREENGINEER

DRAG ME
Mikhail Konin — Software Engineer

COMPLEX FLOWS
BUILT TO SCALE
REAL RELIABILITY

02/

I BUILD DIGITAL

PRODUCTS THATWORK AND FEEL RIGHT.

Product
WebApplications
SystemDesign
TechnicalLeadership
AgentAutomation
03/

— Current platform work at AI Referent.

2024 — present

Lead Software Engineer

AIReferent

{
  "id": "aud_8f21c4e9",
  "requestId": "req_3b91f0a2",
  "status": "completed",
  "company": {
    "name": "ai-referent",
    "inn": "7701234567",
    "ogrn": "1237700123456",
    "industry": "financial_services",
    "registryStatus": "active"
  },
  "analysis": {
    "period": {
      "from": "2024-01-01",
      "to": "2025-12-31"
    },
    "sources": [
      "contracts",
      "bank_statements",
      "tax_returns",
      "egrul"
    ],
    "documentsProcessed": 148,
    "confidence": 0.91
  },
  "risk": {
    "score": 72,
    "level": "elevated",
    "trend": "worsening",
    "breakdown": {
      "liquidity": 81,
      "compliance": 64,
      "counterparty": 58,
      "bankruptcy": 49
    }
  },
  "signals": [
    {
      "code": "cash_flow_gap",
      "severity": "high",
      "confidence": 0.94,
      "deltaPct": -18.4,
      "source": "bank_statements",
      "summary": "Operating cash outflows exceed inflows for 3 consecutive quarters"
    },
    {
      "code": "tax_arrears_spike",
      "severity": "high",
      "confidence": 0.88,
      "amountRub": 4200000,
      "source": "tax_returns",
      "summary": "Unpaid liabilities grew 2.3x vs prior reporting period"
    },
    {
      "code": "registry_mismatch",
      "severity": "medium",
      "confidence": 0.79,
      "fields": [
        "director",
        "legal_address"
      ],
      "source": "egrul",
      "summary": "Director and address differ between registry and uploaded charter"
    },
    {
      "code": "related_party_exposure",
      "severity": "medium",
      "confidence": 0.83,
      "sharePct": 34.6,
      "source": "contracts",
      "summary": "Significant payment volume routed through affiliated entities"
    }
  ],
  "financials": {
    "revenueRub": 128400000,
    "ebitdaMarginPct": 11.2,
    "debtToEquity": 1.47,
    "daysPayableOutstanding": 61
  },
  "reports": {
    "financial": {
      "status": "ready",
      "format": "xlsx",
      "pages": 24
    },
    "bankruptcy": {
      "status": "pending_review",
      "format": "pdf",
      "pages": 12
    },
    "auditTrail": {
      "status": "ready",
      "events": 37
    }
  },
  "recommendations": [
    "request updated EGRUL extract",
    "validate counterparty payment chain",
    "schedule analyst review for bankruptcy module"
  ],
  "generatedAt": "2026-07-19T05:12:44.000Z",
  "processedInMs": 18420
}
04/
SoftwareEngineer
+ Product Focus

Building software that works well and feels right

Let's have a chat