Experience

Bank RBK

• Kazakhstan
• Banking
• 1 - 100 Employee

• Managing Director, Member of Management Team (C-Level)

  • Sep 2018 - Present

  * Banking Retail, mobile banking and card business;*Launch of new consumer loans products, chairmanship of the credit committee;*Growth of the retail loan portfolio from 18 bln. kzt up to 101 bln. kzt with low rate of NPL 5,3%;*Successful transfer of more than 40k employees of Kazakhmys Corporation to full service in the Bank;*Growth of the retail deposit portfolio from 103 bln. kzt up to 225 bln. kzt.;*Increased number of bank card holders and mobile banking users from 19k up to 103k ;*Successful launch of a new money transfer system UPT in KZ;*Branch network management (25 branches), opening of new sales points in Astana,Aksay, Zhezkazgan,Satpayev and Aktobe;*Launch and successful implementation of new card services and products (E-commerce, virtual & multicurrency card, created portfolio of debt and credit cards with LED, promotional offers, Apple Pay,Samsung Pay);*Development of partner projects (Rakhmet, Aviata, Booking, Technodom, Alma TV,Tolem etc.).



QAZKOM (Kazkommertsbank JSC)

• Kazakhstan
• Banking
• 200 - 300 Employee

• Executive Director

  • Jan 2017 - Jul 2018

  * Branch network management (21 Branches );* Launch and successful implementation of the 4DX project in the context of a liquidity crisis;* Saving of the deposit portfolio of SME company's in the tough conditions of the 1-st half of 2017 prior to the transaction with Halyk Bank;* Growth of the portfolio of guarantees and letters of credit by 60% in the 1-st half of 2017;* Growth of Loan Portfolio by 48 bln. tg. and by 49% in the 2-nd half of 2017; * Branch network management (21 Branches );* Launch and successful implementation of the 4DX project in the context of a liquidity crisis;* Saving of the deposit portfolio of SME company's in the tough conditions of the 1-st half of 2017 prior to the transaction with Halyk Bank;* Growth of the portfolio of guarantees and letters of credit by 60% in the 1-st half of 2017;* Growth of Loan Portfolio by 48 bln. tg. and by 49% in the 2-nd half of 2017;



Kcell JSC

• Kazakhstan
• Telecommunications
• 700 & Above Employee

• Director (managing) of Customer channels Department & Sales, Member of Management Board (C-Level)

  • Jan 2013 - Sep 2016

  • Start-up and implementation of the project Activ-Fest throughout the branch network;• NPS increased to 60%;• Best service company of Kazakhstan (the benchmark for standards of RBC Bank, and AirAstana);• Total renovation and rebranding of front-line offices;• Expansion of the branch network, opening of new branches; • Opened an exclusive network of Kcell electronics Stores;• National restart of free distribution project – more than 200K new subscribers;• Cost optimization – more than 490 mln. tg;• Successful execution of the Kcell+ project in period of stagnation and the rollback of telecommunication market; • Stabilization of EBIT/EBITDA;• Created and developed a new generation of middle and upper level managers across whole branches of the company.

• Managing Director of Almaty Branch

  • Jan 2012 - Jan 2013

  • Created a branch as a separate structural unit;• Oversaw the improvement of the quality of local management in the most important market of the Republic of Kazakhstan (more than 25% share);• Stopped revenue fall and brout about revenue increase to 230 million tenge per month (3,38 bln.tg in December 2012, against 3,15 bln.tg in December 2011);• Retention of market share, in the period of aggressive attacks by a new heavily discounting player;• “Wallet" market share grew from 54.1% to 56.3%;• Increased sales from 75K to 90K new activations per month. (Over 1 million activations per year);• Oversaw an increase in the number of subscribers to 168K. (+12%)• Created and rolled-out the Retail Dominance project;• Launched the Portfolio Management project in the corporate unit;

• Director of branch

  • Oct 2009 - Dec 2011

  • Opened new regional branch (start-up);• Built and developed the regional team from 2 engineers to multidisciplinary team of 37 people;• Growth in market share from 13% to 42%;• Customer base increased to 283'000 subscriber (from 67,0K to 350,0K);• Revenue growth of 365% (from 72 mln. tg. to 335 mln.tg, per month);• Created and launched a completely new distribution strategy, and the subsequent launch in the entire branch network, and as a result sales growth by 2.5-3 times;• Implementation and development of the “free distribution” project in regions with a low market share. As a result - market share growth from 5-15% to 30-45%. Active customers after 6 months of the project launch - 50-60%.



Nurbank

• Banking
• 1 - 100 Employee

• Director of branch

  • Jan 2008 - Jun 2009

  • Crisis management: Led the most unprofitable branch to breakeven point;• Profit growth to medium branch office level;* Growth of Loan Portfolio by 4.7 bln. tenge;* Comission-based revenues grew by 270%;* Corporate Deposit Portfolio grew by 1.25 bln. tenge;* Consumer Deposit Portfolio increased by 840 mln. tenge;• Returned bad debt and decreased provisioning level by 3 times;• Reorganized and opened a new branch office.

• Director of branch

  • Jul 2007 - Jan 2008

  • Led the branch to profitabilaty for the first time on 5 years;• Grew the loan portfolio by 2.7 times in 6 months;* Growth of Corporate and Consumer Deposit Portfolio by 175%;• Complete restoration / rehabilitation of customer loyalty to the brand in region (in context of events in 2007).



ForteBank

• Kazakhstan
• Banking
• 200 - 300 Employee

• Deputy Director

  • Nov 2003 - Jul 2007

  • Growth of the retail lending market - №1 in market share in Pavlodar • Growth of margins (EBITDA) – 64%;• Expansion of branch network – more than 20 new profitable branches;* Successful collaboration with Kazpochta JSC allowing access to rural markets, as a result the growth of Loan Portfolio in regions by 500%;* Attracted new clients for using the bank's range of services. • Growth of the retail lending market - №1 in market share in Pavlodar • Growth of margins (EBITDA) – 64%;• Expansion of branch network – more than 20 new profitable branches;* Successful collaboration with Kazpochta JSC allowing access to rural markets, as a result the growth of Loan Portfolio in regions by 500%;* Attracted new clients for using the bank's range of services.



Halyk Bank

• Kazakhstan
• Banking
• 700 & Above Employee

• Deputy Director

  • May 2001 - Oct 2003

  • Management of portfolio of European Bank of Reconstruction and Development in RK 2mln.USD;• Management of credit portfolio of the branch 53mln. USD;• The growth of loan portfolio – to more than 3-fold increase, deposit portfolio – more than 200%;• Attraction of new clients to salary payment projects – more than 100 000 new VISA holders;* Cost saving and optimization of the Branch network, as a result saved more than 2 mln. USD a year;* Successfully tendered for government contract to service pension distribution.

• Beginning experience (few positions)

  • Oct 2000 - May 2001

  • Head of the department, Head of retail business management – JSC Halyk Bank,2000-2001



BTA Bank

• Kazakhstan
• Banking
• 100 - 200 Employee

• Leading Specialist in lending CorpBus&SME&Retail - JSC Bank Turan Alem

  • Oct 1999 - Oct 2000

  • Leading specialist in lending CorpBus&SME&Retail – JSC Bank Turan Alem, 1999-2000 • Leading specialist in lending CorpBus&SME&Retail – JSC Bank Turan Alem, 1999-2000



QAZKOM (Kazkommertsbank JSC)

• Kazakhstan
• Banking
• 200 - 300 Employee

• Expert in banking

  • Jul 1997 - Oct 1999

  • Leading specialist in lending CorpBus&SME – JSC Kazcommertsbank, 1997-1999 • The Credit Manager CorpBus&SME 2 category – JSC Kazcommertsbank, 1997-1997 • Leading specialist in lending CorpBus&SME – JSC Kazcommertsbank, 1997-1999 • The Credit Manager CorpBus&SME 2 category – JSC Kazcommertsbank, 1997-1997