MIKHAIL
KONIN
01/
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/
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