Education: Higher

• 1992–1997 — North Kazakhstan State University, "Economics and Production Management" (Diploma with Honors);
• 1998–2000 — Hamburg, Germany, Higher School of Economics and Politics (Hamburg University) under the Presidential Scholarship of the Republic of Kazakhstan "Bolashak," "Master of International Business Administration" (Diploma with Honors).

Work Experience

• 1996–1998 — North Kazakhstan Regional Branch of JSC "Halyk Bank of Kazakhstan," Senior Controller-Operator, Account Manager of Operational Management for Corporate Clients, Senior Inspector of the Collateral Department, Credit Inspector of the Credit Department;
• 2000 — Hamburg, Germany, Outsourcing Company "Deutsche Bank," Accountant;
• 2000 — Hamburg, Germany, Consulting and Auditing Company "Arthur Andersen," Auditor;
• 2000–2001 — North Kazakhstan Regional Department for SME Support, Deputy Head;
• 2001–2002 — SCP "Regional Technological Park" (Technopark), Specialist, Deputy Director;
• 2002–2003 — North Kazakhstan Regional Branch of JSC "Halyk Bank of Kazakhstan," Head of Customer Relations Department, Head of the Credit Department;
• 2003–2005 — North Kazakhstan Regional Branch of JSC "Nauryz Bank Kazakhstan," Deputy Director, Director;
• 2005–2019 — LLP "Petropavlovsk Bread and Bakery Combine," General Director;
• 2008 — LLP "Kazphosphate," Deputy Chairman of the Management Board, Member of the Management Board, Member of the Board of Directors;
• 2018–2020 — LLP "KNG Finance" (banking holding), General Director;
• 2019–2020 — JSC "ATF Bank," First Deputy Chairman of the Management Board, Member of the Management Board;
• 2021–2023 — JSC "Alell Agro," Chairman of the Management Board, Member of the Board of Directors;
• 2023–Present — OJSC "Optima Bank," Chairman of the Board of Directors.

Academic Degree: Ph.D. in Economics

Education: Higher

• 1990–1995 — Kyrgyz State National University, Kyrgyz Republic, "Applied Mathematics" (M.Sc.);
• 1996–2000 — University of Sunderland, United Kingdom, Economics, "Doctor of Philosophy" (Ph.D.).

Key Expertise:

• Economic analysis;
• Strategic planning;
• Banking and financial system analysis;
• Project management in various sectors;
• 20 years of experience in international financial institutions

Professional Experience:

• 1995–1996 — EU TACIS Program: "Improving Energy Efficiency of Buildings in the Kyrgyz Republic," Expert;
• 1995–1996 — EU TACIS Program: "Training in Energy Sector Management in the Kyrgyz Republic," Expert-Trainer;
• 1996–1999 — University of Sunderland, United Kingdom, Research Assistant;
• 2000–2001 — Asian Development Bank, Resident Mission in the Kyrgyz Republic, Economist-Consultant;
• 2001–2022 — Asian Development Bank, Resident Mission in the Kyrgyz Republic, Economist, Head of Economics and Program/Project Planning Department;
• 01.08.2022 – Present — Independent Member of the Board of Directors of OJSC "Optima Bank," Chairperson of the Risk Management Committee of OJSC "Optima Bank," Deputy Chairperson of the Board of Directors of OJSC "Optima Bank."

Professional Training:

• Courses and seminars at ADB on leadership and team management, economic and strategic planning, project preparation and management, financial management, procurement, monitoring and evaluation, anti-corruption, knowledge management, external relations, and gender equality;
• External training courses from international financial institutions on macroeconomic management, debt management, and forecasting;
• Practical course "Basics of Banking Risks" under the Global Association of Risk Professionals (GARP) program;
• Practical course "Corporate Governance in Financial Institutions," Smart Finance

Awards:

• 2022 — Letter of Appreciation from the Chair of the Cabinet of Ministers of the Kyrgyz Republic;
• 2021 — Medal "For Cooperation" from the Ministry of Economy and Finance of the Kyrgyz Republic;
• 2019 — Letter of Appreciation from the Prime Minister of the Kyrgyz Republic;
• 2017 — Title "Excellence in Economy" from the Ministry of Economy of the Kyrgyz Republic;
• 2016 — Certificate of Honor from the Ministry of Economy of the Kyrgyz Republic

Education: Higher

• 2005–2009 — International Business University (UIB), Almaty, "Accounting and Auditing," Bachelor;
• 2011–2012 — International Business University (UIB), Almaty, "Social and Economic Studies," Master.

Professional Experience:

• 2010 - 2013 — LLP "Apple City Distributors" (official distributor of P&G, Mondelez, Jacobs, Wella Company, Braun, Duracell in Central Asia and Kazakhstan), Accounting Manager, Credit Controller-Accountant, Reporting Manager, Trade Program Analysis Manager;
• 2013–2015 — JSC "Tsesnabank," JSC "Tsesna Garant," JSC "Tsesna Capital," Senior Auditor;
• 2015–2019 — JSC "BTA Bank," Analyst in the Credit Projects Analysis and Monitoring Department, Chief Specialist in the Subsidiary Organizations Department;
• 2016–2019 — JSC "ROSA" (Pavlodar Brewery No. 1), Member of the Board of Directors;
• 2017–2019 — JSC "Alan Real Estate Investment Trust" (commercial real estate management), Chairperson of the Liquidation Commission;
• 2017–2019 — LLP "DO JSC BTA Bank Alem Card" (card business), General Director;
• 2018–2019 — JSC "Fincraft Capital" (investment company), Deputy Chairperson of the Management Board;
• 2018–2019 — LLP "CIFT Megapolis" (banking software), Chairperson of the Liquidation Commission;
• 2018–2019 — CJSC "BTA Bank" (Kyrgyzstan), Deputy Chairperson of the Board of Directors;
• 2018–2019 — JSC "Alan Securities" (investment company), Chairperson of the Board of Directors;
• 2018–2020 — PJSC "NASK Oranta" (Ukraine), Member of the Supervisory Board;
• 2019–2023 — JSC "Jusan Bank," Subsidiary LLP "OUSA South" (stress asset management), General Director;
• 2023 — JSC "Jusan Bank," Advisor to the Chairperson of the Management Board;
• 2023 — JSC "Jusan Bank," Managing Director of the Recovery Block;
• 2023 – Present — JSC "Jusan Bank," Subsidiaries (LLP "Jusan Development," LLP "Jusan Property," LLP "OUSA South"), Chairperson of the Supervisory Board;
• 2023 – Present — JSC "Jusan Bank," Deputy Chairperson of the Management Board, Board Member.

Education: Higher

• 1990 – 1995 — Kokshetau State Pedagogical Institute named after Ch. Valikhanov, "Mathematics and Informatics" (Diploma with honors);
• 1998 – 2000 — Kazakhstan Institute of Management, Economics, and Prognostics (KIMEP), "Economics," Master of Arts in Economics (Diploma with honors);
• 2013 — Global Association of Risk Professionals (GARP), Financial Risk Manager (FRM) certificate;
• 2014 — CFA Institute, Chartered Financial Analyst (CFA).

Professional Experience:

• 1995 – 1996 — Intern at the Department of "Differential Equations," Al-Farabi Kazakh State University;
• 2000 – 2007 — Lecturer at the Department of Continuing Education, KIMEP;
• 2007 – Present — Director of TOB "ABSALAM" (Training Center);
• 2015 – 2016 — Assistant to the Chairman of the Board of Directors of ATF Bank;
• 2016 – 2017 — Chief Specialist, Recruitment and Development Department, HR Department, ATF Bank;
• 2020 — Independent Director, Member of the Board of Directors of ATF Bank;
• 2020 – 2021 — Valuer at TOB "Business Partner Consult";
• 2022 – 2023 — Financial Analyst at TOB Baker Tilly Qazaqstan Advisory;
• 2023 – Present — Director, Grand Yield Inc. Ltd (Investment Holding);
• 2023 – 2024 — Advisor to the Chairman of the Management Board, First Heartland Jusan Bank;
• 2023 – Present — Chief Expert on Investment Portfolio Management, Jusan Garant Insurance Company;
• 2023 – Present — Member of the Board of Directors of OJSC Optima Bank;
• 2024 – Present — Managing Director, First Heartland Jusan Bank.

Education: Higher

• Omsk Technological University, Master’s Degree, 1994
• Auditor Qualification Certificate of the Republic of Kazakhstan, 2003
• Certified International Professional Accountant (CIPA), 2008
• Diploma in Professional Financial Management (ICFM UK), 2025

Core Expertise:

• SME finance and banking, lending, and risk management
• Deep understanding of the philosophy and principles of development institutions (EBRD, IFC, ADB)
• Strategic and business planning, including development of operational plans and financial forecasts
• Conducting due diligence procedures and asset evaluations of financial institutions
• Corporate governance and development of effective internal control systems

Professional Experience:

• Since 2011 – Present: Head of a consulting firm providing advisory services to financial institutions in emerging markets in lending, risk management, corporate governance, and SME banking
• Regularly engaged by DFIs and international organizations such as EBRD, IFC, ADB, KfW, etc., as a senior banking advisor
• Since March 2025: Independent Director, Chair of the Audit Committee, Member of the Risk Management Committee, Optima Bank (Kyrgyzstan)
• June 2024 – March 2025: Independent Director, Chair of the Audit Committee, Member of the Risk Management and Nomination & Remuneration Committees, Asman Bank (Kyrgyzstan, startup)
• May 2020 – December 2022: Independent Director, Chair of the Board and Audit Committee, Arnur Credit MFI, Kazakhstan
• 2020: Independent Director, Chair of the Audit Committee, Chair of the Risk Committee, ATF Bank, Kazakhstan
• 2017 – 2021: Independent Director, Chair of the Audit Committee, Member of the Risk Committee, Optima Bank, Kyrgyzstan
• 2013 – 2015: Independent Director, Chair of the Audit Committee, Member of the Risk Committee, Humo MFI, Tajikistan
• Past Leadership Roles in Financial Institutions (Kazakhstan):
  2005 – 2007: Head of Corporate Risk Management, Halyk Bank
  2007: Director of SME Lending Department, Eurasian Bank
  2004 – 2005: Director of SME Lending Department, ATF Bank
  2008 – 2011: Audit Partner, “Solomon” Audit Firm
  1999 – 2003, 2005: Banking Consultant and Auditor, EBRD’s Kazakhstan Small Business Program
  1998 – 1999: Credit Analyst, Bank Turan Alem

Professional Memberships:

• Member of the Chamber of Auditors of the Republic of Kazakhstan since 2003
• Member of the Institute of Internal Auditors (IIA) since 2012
• Member of the Institute of Certified Financial Managers (ICFM) since 2025