Education: Higher Education

• Karaganda State University, Specialization: "Economics," 1989–1994;
• Lomonosov Moscow State University, Program: "Master of Business Administration (MBA)," 2007–2009

Additional Training:

• 1998: Intensive course "Elements of Banking and Financial Analysis of Small Enterprises," conducted by Internationale Projekt Consult GmbH (Germany);
• 2009: Training "Leadership Teams in the Process of Change," Bishkek;
• 2017: Program by the European Business Union "Strategic Negotiations and Conflict Resolution," Florence

Professional Career:

• 1994: Economist, AK "Agroprombank";
• October 1994: Deputy Manager, Zerendinsky Branch, AK "Agroprombank";
• 1996: Worked in the branches of OJSC "Igilic Bank" and OJSC "Turan Bank", Almaty;
• 1997: Joined the credit departments of JSC "ATFBank";
• 1998–2004: Head of Small and Medium Business Lending Department, JSC "ATFBank";
• February 2004 – May 2005: Deputy Chairman of the Management Board, OJSC "Energobank";
• May 2005 – December 2006: First Deputy Chairman of the Management Board, OJSC "Energobank";
• December 2006: Following the renaming of OJSC "Energobank", First Deputy Chairman of the Management Board, OJSC "ATFBank – Kyrgyzstan";
• January 2009: Appointed Acting Chairman of the Management Board, OJSC "ATFBank-Kyrgyzstan";
• April 2009: Appointed Chairman of the Management Board, OJSC "ATFBank-Kyrgyzstan";
• June 2010: Following the renaming of OJSC "ATFBank – Kyrgyzstan", Chairman of the Management Board, OJSC "UniCredit Bank";
• September 2013: Following the renaming of OJSC "UniCredit Bank", Chairman of the Management Board, OJSC "Optima Bank

Education: Higher Education

• Suleyman Demirel University, Faculty of Engineering, specialty "Computer Engineering and Software (Software Engineering)," 2007-2011;
• Syracuse University, New York, USA, specialty "Engineering Management"

Training courses:

• In 2016, completed the course "Secondaries Investments" at Hamilton Lane Advisors (United Kingdom)
• In 2018, completed training at HL University (USA)

Started professional activity in 2011:

• Since 2011 - Consultant in the Management Consulting Department in Information Technology at KPMG Tax&Advisory;
• Since 2016, held various positions in the Alternative Investment Department at the National Investment Corporation of the National Bank of Kazakhstan;
• Since 2021, appointed First Deputy Chairman of the Management Board of OJSC "Optima Bank".

Education: Higher

• Kyrgyz State National University, specialty "Finance and Credit," 1991-1995.

Training courses:

• Seminar "Export-Import Operations Financing," Banking Training Center, Bishkek, 1996;
• Seminar "Microcrediting," Banking Training Center, Bishkek, 2001;
• Seminar "Real Estate Valuation," Chamber of Tax Consultants, Bishkek, 2002;
• Banking Supervision Support Project, USAID, NBKR, Bishkek, 2002;
• Seminar "Mortgage Lending," Land Reform Project, Kemonics, Bishkek, 2003;
• Seminar "Financial Accounting, Level 1," Jacobs Training, Bishkek, 2003;
• Training "Management Team in the Change Process," Bishkek, 2009

Started professional activity in 1995:

• From 1995 to 2000, worked at "Kyrgyzpromstroybank";
• Accountant at the Lenin Branch of Kyrgyzpromstroybank;
• Lead Specialist of the External Economic Relations and Interstate Payments Department of the head office;
• Senior Specialist of the Currency Operations Department;
• Head of the Cash Management Department;
• Head of the Credit Management, Analysis, and Reporting Department of the Credit Department at Kyrgyzpromstroybank;
• Since 2001, worked at OJSC "Energobank";
• From 2001 to 2002 - Head of the Problem Loans and Collateral Department;
• From 2002 to 2004 - Head of the Collateral Department;
• From 2004 to 2006 - Director of the Bishkek Branch;
• From March 2006 to December 2006 - Managing Director, Board Member of OJSC "Energobank";
• Since December 2006, following the renaming, Managing Director, Board Member of OJSC "ATFBank – Kyrgyzstan";
• Since June 2010, following the renaming of OJSC "ATFBank – Kyrgyzstan," Managing Director, Board Member of OJSC "UniCredit Bank";
• Since September 2013, following the renaming of OJSC "UniCredit Bank," Managing Director, Board Member of OJSC "Optima Bank";
• Since November 2017 - Deputy Chairman of the Management Board of OJSC "Optima Bank".

Education: Higher Education

• Moscow State University of Economics, Statistics, and Informatics, specialty "Finance and Credit," 1993-1998;
• GRIPS (Japan, Tokyo), Faculty of "Public Administration," Master of Public Administration program, 2002-2003

Additional Training:

• Financial Risk Management (Plekhanov Russian Economic University, Moscow);
• Asset and Liability Management (ABN AMRO Academy, Netherlands, Amsterdam).

Started professional activity in 1997:

• Since July 1997 - Lead Specialist at the "International" Department of AKIB "Pioneer Bank," Moscow, Russia;
• Since September 1999 - Lead Specialist, Senior Specialist at the External Supervision Department of the Banking Supervision Directorate of the National Bank of the Kyrgyz Republic;
• Since October 2004 - Risk Manager in the Risk Management Department at JSC "ATFBank," Almaty, Kazakhstan;
• Since February 2005 - Head of the Risk Management Department at OJSC "Energobank," Bishkek, Kyrgyzstan;
• Since October 2006 - Head of the Risk Management Department at JSC "Bank-Sibir," Omsk, Russia;
• Since November 2007 - First Deputy Chairman of the Management Board of OJSC "Sohibkorbank," Khujand, Tajikistan;
• Since February 2009 - Managing Director, Board Member of OJSC "ATFBank-Kyrgyzstan";
• Since June 2010 - Following the renaming of OJSC "ATFBank – Kyrgyzstan," Managing Director, Board Member of OJSC "UniCredit Bank";
• Since September 2013 - Following the renaming of OJSC "UniCredit Bank," Managing Director, Board Member of OJSC "Optima Bank";
• Since November 2017 - Deputy Chairman of the Management Board of OJSC "Optima Bank".

Education: Higher Education

• International University of Kyrgyzstan, Master's in "Economics," 1998-2000;
• International University of Kyrgyzstan, Faculty of "New Information Technologies," specialty "Systems Analysis and Management," 1993-1997

Started professional activity in 1998:

• Since March 1998 - Lead Specialist at the Accounting Methodology Department of the National Bank of the Kyrgyz Republic;
• Since March 1999 - Consultant for the USAID Project on Accounting Reform in Banks;
• Since August 2000 - Senior Auditor at Arthur Andersen;
• Since June 2002 - Senior Specialist in Auditing at ATCF Consulting (general contractor for all audit projects of Deloitte & Touche in the Kyrgyz Republic);
• Since October 2004 - Audit Manager at Deloitte & Touche;
• Since October 2005 - Financial Director, Board Member of JSC "MCC Finca";
• Since October 2008 - Financial Director, Board Member of LLC "MDO Finca" Republic of Tajikistan;
• Since October 2011 - Managing Director of OJSC "UniCredit Bank";
• Since September 2013 - Following the renaming of OJSC "UniCredit Bank," Managing Director, Board Member of OJSC "Optima Bank";
• Since November 2017 - Deputy Chairman of the Management Board of OJSC "Optima Bank".

Education: Higher

• International Jordanian University, Amman, Faculty of "Business Administration," specialty "Finance," 1997–2002.
• Kyrgyz National University named after J. Balasagyn, Faculty of "Economics," Master's program in "Finance and Credit," 2008–2010.

Additional Education:

• November/December 2003 - "Financial Accounting-1";
• November 2005 - "Corporate Lending";
• December 2006 - "Effective Personnel Management";
• July 2009 - "Sales Management";
• March 2010 - "Leadership Team in Change Processes";
• 2014 - "The Art of Selling to Affluent Clients in the Affluent Segment." Master class by Matt Oxley, Istanbul.

Professional Activity:

• Since December 2002 - Specialist in the Foreign Exchange Operations Department at OJSC "Kyrgyzpromstroybank";
• Since November 2003 - Senior Specialist in the Foreign Exchange Operations Department at OJSC "Kyrgyzpromstroybank";
• Since January 2004 - Lending Specialist at the Credit Management Bank of OJSC "Energobank";
• Since June 2004 - Senior Lending Specialist at the Credit Management Bank of OJSC "Energobank";
• Since February 2005 - Chief Specialist at the Lending Group of the Credit Management Bank of OJSC "Energobank";
• Since May 2005 - Head of the Lending Department at the Credit Management Department of OJSC "Energobank";
• Since November 2006 - Head of the Corporate Lending Department at OJSC "Energobank";
• Since March 2007 - Director of Branch No. 2 in Bishkek at OJSC "ATFBank – Kyrgyzstan";
• Since June 2010 - Director of the Sales Department at the Head Office of OJSC "UniCredit Bank";
• Since January 2011 - Director of the Bishkek Central Branch at OJSC "UniCredit Bank" (now OJSC "Optima Bank");
• Since August 2013 - Managing Director at OJSC "Optima Bank".

Education: Higher

• 2002, South Ural State University, Russia, Faculty of Economics and Law, Jurisprudence.

Work Experience:

• Product Manager: LLP "Prime Source," Kazakhstan (2017–2024).
• Co-founder and CEO, Compliance Academy: LLP "Academy of Compliance," Kazakhstan (2020–2024).
• Chief Product Officer, a commercial bank in Central Asia (2023).
• Head of Financial Monitoring (Head of AML), ForteBank, 2016–2017.
• Auditor, Head of Audit for the Head Bank and Subsidiaries, ATFBank (UniCredit), 2010–2016.
• Corporate Business Credit Analyst, ATFBank, 2004–2010.

Education: Higher

• Kyrgyz State Medical Academy, specialty "Medicine," 1993–1999;
• T. Ryskulov Kazakh Economic University, Almaty, Master's program in "Master of Business Administration (MBA)," 2008–2009.

Additional Education:

• 2003: "Elements of Banking and Financial Analysis for Small Enterprises," conducted by Internationale Projekt Consult GmbH (Germany) under the European Bank for Reconstruction and Development program, Bishkek;
• 2006: "Ratio, Financial & Sustainability Analysis," KIMEP University, Almaty;
• 2008: "Fundamentals of Asset and Liability Management," Bishkek;
• 2008: "Delinquency and Risk Management Training," IFC, Bishkek;
• 2009: "Leadership Team in Change Processes" Training, Bishkek;
• 2011: Risk Certification Program, GARP (Global Association of Risk Professionals), Bishkek;
• 2014: Diploma "Practical Analyst on Internal Audit and Enterprise Risk Management," European Business Union, London.

Professional Activity:

• 1999 – Oncologist;
• Since 2003 – Intern, Micro and Small Credit Sector, AKB "Kyrgyzstan," Bishkek;
• Since 2004 – Senior Credit Expert, Micro and Small Credit Sector, AKB "Kyrgyzstan," Bishkek;
• Since 2006 – Risk Manager/Chief Specialist, Risk Management Department, OJSC "ATFBank," Almaty;
• Since 2008 – Head of Risk Management Department, OJSC "ATFBank-Kyrgyzstan," Bishkek;
• Since 2013 – Director of Risk Management Department, OJSC "Optima Bank," Bishkek;
• Since August 2017 – Managing Director, OJSC "Optima Bank".

Education: Higher

• Kyrgyz National University named after J. Balasagyn, specialization: Jurisprudence, Certified Specialist, 1999–2004

Additional Education:

• TMD Partners, Almaty: "Leadership Teams in the Process of Change";
• Bishkek Business School: "Personal Effectiveness in Business: Negotiations," Bishkek;
• Central Eurasian Leadership Alliance in Kyrgyzstan: "Leadership Without Borders," Bishkek;
• Dmitry Chuprin and Partners: "Flourishing Through Leadership";
• Central Eurasian Leadership Alliance in Kyrgyzstan: "Achieving Maximum: Keys to Personal and Professional Success," Bishkek;
• Visa: "Card Business Development," Bishkek;
• Visa Forum: Nice, France.

Professional Career:

• May 2005: Head of the Corporate Law Sector, Legal Affairs Department, OJSC "Kyrgyz Promstroy Bank";
• June 2005: Specialist, Legal Department, OJSC "Energobank";
• November 2005: Senior Specialist, Legal Department, OJSC "Energobank";
• October 2006: Head of the Problem Loan Sector, OJSC "Energobank";
• December 2006: Head of the Problem Loan Department, OJSC "Energobank";
• August 2007: Chief Specialist, Problem Loan Department, Legal Department, OJSC "ATFBank Kyrgyzstan";
• December 2007: Director of the Balykchy Branch, OJSC "ATFBank Kyrgyzstan";
• June 2008: Director of the Talas Branch, OJSC "ATFBank Kyrgyzstan";
• May 2009: Director of the Bishkek Branch No. 1, OJSC "ATFBank Kyrgyzstan";
• October 2013: Director of the Bishkek Central Branch, OJSC "Optima Bank";
• June 2016: Managing Director, OJSC "Optima Bank".

Education:

• Eurasian National University named after L.N. Gumilyov, specialization: Information Technology, 2008–2013

Additional Education and Certifications:

• TOGAF 9 Certified, The Open Group, 2018
• Business Processes. Development & Optimization, EY Academy of Business, 2019
• PMP Course Preparation, PMBOK PMI, 2020
• AWS Certified Cloud Practitioner, AWS Certifiсation, 2021

Professional Career:

• 2013: Programmer-Consultant, LLP "KazSoftEngineering";
• 2014: Specialist, Information Security Department, JSC "National Information Technologies";
• 2016: Consultant, Accounting and Reporting Management Department, KPMG;
• 2017: Chief Specialist, JSC "National Information Technologies";
• 2018: Senior Consultant, Consulting Department, IT Risk Audit Group, Ernst & Young Kazakhstan;
• 2019: IT Architect, Group of Companies, JSC "Samruk-Kazyna" Sovereign Wealth Fund;
• 2021: Appointed Managing Director, OJSC "Optima Bank".

Education: Higher Education

• Kyrgyz Technical University named after I. Razzakov, specialization: "Computing Machines, Complexes, Systems, and Networks," 1998–2003.

Professional Career:

• February 2004: Senior Specialist, Information Technology Department, OJSC "Energobank";
• May 2005: Leading Specialist, Software Department, Information Technology Department, OJSC "ATF Bank – Kyrgyzstan";
• January 2007: Head of the Software Department, Information Technology Department, OJSC "Optima Bank";
• September 2022: Head of the Software Development Department, OJSC "Optima Bank";
• December 2023: Managing Director, OJSC "Optima Bank".

Education: Higher

• Kyrgyz National University named after J. Balasagyn, Faculty of Economics, major in «Finance and Credit» — Diploma with Honors (2000–2005);
• MBA: Master of Business Administration (KNU named after J. Balasagyn), Faculty of Retraining and Advanced Training (2005–2007).

Courses and Professional Development:

• Project Management Professional (PMP) — IOWA Partners LLP, Kazakhstan, 2021;
• Countering Terrorism Financing and Money Laundering — State Financial Regulatory Service under the Ministry of Finance of the Kyrgyz Republic, Bishkek, 2024;
• Islamic Financing Principles: Islamic Bank Operations (AAOIFI Standards) — «Barakat» Training Center, Bishkek, 2024;
• Fundamentals of Shariah, Islamic Banking: Limitations and Issues of Shariah, Introduction to Shariah Governance, Islamic Banking: Operationalization of Shariah, Accounting 101 — INCEIF University, Malaysia, 2024;
• Islamic Fintech — Centre of Islamic Banking and Economics, UAE, 2024.

Work Experience:

• OJSC «EnergoBank» (2006–2008) — Intern/Specialist/Senior Specialist, SME Lending Department;
• OJSC «ATFBank» (2008–2009) — Deputy Head of the SME Lending Department;
• OJSC «UniCredit Bank» (2009–2013) — Regional Manager, SME Sales Department;
• OJSC «Optima Bank» (2013–2024) — Director of Bishkek Branch No. 5;
• OJSC «Optima Bank» (2024) — Advisor to the Chairman of the Management Board;
• Since 2024 Managing Director at OJSC «Optima Bank».

Education: Higher

• Kyrgyz-Russian (Slavic) University, major – "World Economy," 2001–2005.

Professional Experience:

• Started a career in banking in 2005;
• 2005–2006 – Specialist in SME Lending Sector, JSC "Energobank";
• 2006–2007 – Head of SME Lending Sector, JSC "ATF Bank – Kyrgyzstan";
• 2007–2009 – Regional Manager of Regional Coordination Department, JSC "ATF Bank – Kyrgyzstan";
• 2009–2011 – Regional Manager of SME Sales Management, JSC "UniCredit Bank";
• 2011–2013 – Deputy Director of Bishkek Central Branch, JSC "UniCredit Bank";
• 2014–2018 – Director of Sales Department, OJSC "Optima Bank";
• 2018–2021 – Deputy Chairman of the Management Board, JSC "Halyk Bank Kyrgyzstan";
• 2022–2023 – Deputy Chairman of the Management Board, JSC "Bakai Bank";
• April–October 2024 – Advisor to the Chairman of the Management Board, OJSC "Optima Bank";
• Since November 2024 – Managing Director, OJSC "Optima Bank".