Gizat Z.

Chief Marketing & Custex Officer (CMO/CCO) @ AO Home Credit Bank Kazakhstan

About

Management Board–level executive (CEO-1) in retail banking with accountability for customer economics across Retail and SME in a regulated CIS market. Proven record of building and scaling digital-led products, including growth of retail deposits from KZT 6bn to 600bn+, launch of a debit card business to 1.5m cards, and reversal of a multi-year decline in active customers. Member of Top Management Team and ALCO, with hands-on exposure to pricing, liquidity and balance-sheet decisions under volatile macro and regulatory conditions. Experienced leader of large cross-functional organizations delivering sustainable growth and record customer metrics.

Country

Kazakhstan

City

Almaty

Industry

Banking

Skill

Problem Solving, Executive Management, Executive Leadership, Business Planning, Cross-Functional Team Management, Senior Stakeholder Management, Business Decision Making, Organizational Development, Innovation Management, Product Road Mapping, Digital Transformation, Communication, Teamwork, Critical Thinking, Strategic Planning, Funding, Debit Cards, Agile Leadership, Cross-Functional Team Building, Global Cross-Functional Team Leadership

Experience

Chief Marketing & Custex Officer (CMO/CCO)

AO Home Credit Bank Kazakhstan

2025-1 - 2026-2 · 1 yr 2 mos

Integrated Retail and SME teams into a single operating model; enforced brand and journey consistency across channels and regions Built end-to-end digital funnel excellence (performance marketing → CRM/CVM → monetization), implementing full follow-up tracking and attribution for disciplined ROI control Member of Top Management Team and ALCO Bank scale: ~KZT 800bn loan book | ~KZT 670bn retail deposits | ~1.4m customers | 100+ branches | ~1.1m MAU Delivered record customer metrics: NPS 57 and Top-of-Mind 4.8 (highest in bank history) CEO-1 accountability for Retail & SME customer economics: acquisition, engagement, monetization, retention and CVM

Director of Retail Funding and Debit Cards (CPO)

AO Home Credit Bank Kazakhstan

2018-11 - 2025-1 · 6 yrs 3 mos

Almaty, Kazakhstan

Executive ownership of retail liabilities, and transaction business Scaled retail funding: deposits grown from ~KZT 6bn to 600bn+ Digital-first growth model: ~60% of new retail deposits originated online | ~70% of debit cards originated online Launched transaction business from scratch: 1.5m+ debit cards issued | 300k active users Secured USD 3m international PFG funding linked to transaction business Active ALCO participant on pricing, liquidity and cost-of-funds decisions Reduced TTM by 60% with the formation of high-performing Agile-teams who consistency delivered velocity.

Pricing/Product Manager

AO Home Credit Bank Kazakhstan

2015-11 - 2018-11 · 3 yrs 1 mo

Almaty, Kazakhstan

Advanced from cash-loan pricing into broader retail product leadership Delivered +20% growth in cash-loan volumes through risk-based pricing, continuous price-elasticity testing, conjoint analysis, and cross-sell (RBP) programs Designed and governed pricing frameworks balancing growth, margin and risk appetite in a regulated retail bank Ensured pricing consistency and compliance across retail lending products in close coordination with risk and product governance

Head of Regional Coordination Unit, Private Banking Division

Eurasian Bank

2014-11 - 2015-9 · 11 mos

Almaty, Kazakhstan

Managed portfolio of Mass Affluent and HNW individuals and played an active role in recruitment and leading the expansion of PMs across the bank’s regions. • Increased monthly retention by 14% for a significant customer segment by developing a new retention functionality in collaboration with the product team. • Delivered $15 million increase in retail deposit portfolio through development of a new deposit product.

Investor Relations Manager, Private Banking Division

Eurasian Bank

2014-6 - 2014-11 · 6 mos

• Rolled-out new Entrepreneurial Banking proposition focused on seed funding having communicated, negotiated, and partnered with private-equity firms and individual investors.