Vasip Ramazanov

- Increased the loan portfolio of Bai-Tushum Bank from KGS 7.8 billion to over KGS 10.8 billion within 18 months, delivering 38% portfolio growth and accelerating growth momentum by 2.5x. - Originated over KGS 13.3 billion in loan disbursements while improving portfolio quality, reducing PAR30 from 4.83% to 2.71%. Loan origination volumes increased by 15% year-over-year through accelerated client acquisition initiatives. - Delivered consistent monthly growth in lending interest income averaging 9.4% while maintaining strong portfolio quality and risk discipline. - Expanded access to financing for domestic businesses, increasing the SME share of the Bank’s portfolio from 44% to 61%. - Led the transformation of the lending business by implementing modern performance management, risk control, and profitability-based evaluation frameworks across lending divisions. - Launched and developed new business lines, including factoring, trade finance, ESG lending, leasing, auto lending, and specialized SME financing solutions. - Led the digital transformation of lending operations through the launch of online lending, automated credit workflows, and integration of lending products into the Bank’s mobile ecosystem. - Built and scaled a modern lending and sales organization, including product teams, regional business infrastructure, partner distribution channels, and a centralized credit decision-making center. Managed a lending division of 290+ employees with KPI-driven performance and incentive systems.

- Expanded the bank’s partner network from 225 to more than 10,200 legal entities within 8 months, significantly increasing market presence and scaling the sales distribution channel; - Built and scaled the partner sales division, growing the team from 7 to 67 employees within 3 months while establishing a full-scale management structure and KPI system; - Initiated the digital transformation of partner onboarding through MBusiness by implementing remote onboarding capabilities, reducing connection time to just a few minutes and significantly accelerating partner network growth; - Led the development and promotion of the MPlus installment financing program, increasing product awareness, partner network activity, and sales volumes; - Implemented a sales management and channel incentive system that improved partner network efficiency and enabled scalable customer acquisition.

- Built one of the largest consumer finance partner networks in Kyrgyzstan, comprising 19 key partners generating 1,000–1,200 monthly transactions each, with an average ticket size of KGS 110,000 and NPL below 1%; - Delivered the highest consumer lending volumes in the history of EcoIslamicBank by scaling the partner distribution channel, implementing lead generation initiatives, and developing remote sales capabilities; - Initiated and scaled new retail banking products, including consumer and auto financing solutions, contributing to significant growth of the loan portfolio and overall bank profitability; - Led the transformation of the bank’s retail business through relaunch of the marketing strategy, CRM implementation, and establishment of a contact center, significantly strengthening customer acquisition and brand positioning; - Advanced the Islamic finance segment through joint educational initiatives with the Muftiate and Islamic scholars aimed at improving financial literacy and promoting Islamic banking principles.

- Transformed the corporate sales model, resulting in substantial growth of the corporate client base and a 2.5x increase in sales; - Achieved a 100% win rate in all public and private telecommunications tenders conducted in Kyrgyzstan; - Streamlined onboarding and implementation processes for corporate projects and tariff solutions, significantly reducing client activation timelines; - Increased profitability of the corporate segment and improved ARPU across the existing client portfolio; - Designed and implemented an internal employee training system to enhance service quality and sales performance.

- Built one of the bank’s largest corporate lending portfolios within the corporate banking segment; - Acquired major corporate clients, including successful migration of clients from competing banks through comprehensive lending and cash management solutions; - Drove profitability growth through expansion of the corporate client base and development of cash management services; - Consistently exceeded sales targets, achieving average plan fulfillment of 120% during 2018–2019.

- Expanded the corporate cash management and settlement services portfolio, increasing profitability by 120%; - Successfully attracted payroll projects, exceeding the sales target by more than 120%; - Executed trade finance credit transactions, including bank guarantees and letters of credit.

- Analyzed the performance and effectiveness of retail banking products and services; - Drove sales of banking products and financial services for individual clients; - Initiated and proposed new products and service enhancements aligned with customer needs and market demand.