Rustam Ibdimenov

Impact & Responsibilities Built a unified credit operating system: underwriting governance, CI/field checks, post-disbursement monitoring, and collections escalation mapped into one cadence (weekly/monthly reviews, playbooks, KPIs). Designed score-informed underwriting and policy guardrails; aligned product, sales, risk, and finance for faster approvals with controlled loss expectations. Established portfolio governance with clear KPI stack (DPD, PAR30/60/90, vintage/cohort views, roll-rates, recovery curves) and loan-tape hygiene standards for auditability. Launched monitoring discipline (early-warning flags, behavioral triggers, refresher checks) to detect slippage early and prevent surprise losses. Streamlined collections interface (dialer → manual follow-ups → PTP tracking) and integrated feedback loops into underwriting to close the risk “learning cycle.” Negotiated and coordinated with partner banks and data providers, aligning regulatory and operational constraints into executable rules. Built risk review routines (credit committee artifacts, post-mortems, exception tracking) to institutionalize learning and raise decision accuracy. Mentored cross-functional teams; formalized documentation, checklists, and training for scalable execution.

• Managing the staff of the unit; • Control of timely monitoring of financial condition of SME and Corporate borrowers; • Optimization of processes of the division; • Assessment of the financial condition of corporate and SME borrowers;

• Managing the staff of the unit; • Preparation of recommendations for determining further strategy for managing the credit retail portfolio • Participation in meetings and decisions of the Bank’s collegiate bodies and working groups established • Reviewing and identifying new approaches of working to improve the processes of the unit • Control of risk indicators for all products within the responsibility of the unit

Planning, organization, general management and control over the companys activities (staff: 25 persons); Operational management of the company; Adjustment of business processes; Monitoring of company risks, verification, collection, etc. Work with marketing and sales;

Planning, organization, general management and supervision of the Department (staff: 15 persons); Analysis of internal and external factors for the purpose of forecasting credit risks. Portfolio risk control; Participation in the development of loan products (car lending, online financing, factoring);

Planning, organization, overall management and oversight of the Division (staff: 11 persons); Development, analysis, implementation of internal regulatory documents to minimize credit risks; Participation in the credit committee, consideration of large applications with the provision of an opinion (including analysis of the financial condition of companies); Participation in the development of loan conveyor;

Identification, measurement and assessment of risks, timely identification of their sources; Regular monitoring of risks and preparation of relevant reports to Bank management; Financial analysis of medium and corporate business enterprises, analysis of groups of companies and consolidated data; Preparation of opinions on projects, participation in product development; Analysis of financial statements under IFRS; Participation in the work of the Banks Credit Committees and other collegial bodies;

Risk assessment and examination of projects of corporate and medium business; Analysis of the financial condition of enterprises to identify the possibility of financing (working capital replenishment, investments, guarantees, etc.), analysis of groups of companies and consolidated data. Preparation of opinions on borrowers;

Risk assessment and examination of projects small business sector; Analysis of the financial condition of enterprises to identify the possibility of financing (working capital replenishment, investments, guarantees, etc.). Preparation of opinions on borrowers;

Financial analysis, presentation of credit projects at a Credit Committee; Financial monitoring of loan portfolio, post-credit servicing of portfolio;

Financial analysis, presentation of credit projects at a Credit Committee; Financial monitoring of loan portfolio, post-credit servicing of portfolio;