Ramiz

Oversee all operational functions whilst driving strategic initiatives that align with and elevate the company's long-term vision. Facilitate prompt and accurate execution of General Meetings and Supervisory Board directives to achieve organisational targets. Monitor and enhance customer satisfaction through superior credit services and client engagement. Implement incentive programmes and disciplinary actions to maintain high employee performance and accountability.
• Founded and established the company, securing licencing from the Central Bank of Azerbaijan, recruiting skilled staff, and preparing all operational documentation.
• Elevated loan portfolio to $20M, positioning company among the top five non-bank credit institutions in a competitive market of 56 entities.
• Negotiated and finalised agreements with several leading construction firms to facilitate mortgage lending services.
• Drove significant portfolio growth and improved market penetration by developing and implementing specialised loan products.
• Earned recognition as the fastest-growing non-bank credit institution in the financial market due to innovative strategies and rapid portfolio expansion.

Formulate and implement financial strategies aligned with organisational objectives. Identify evolving needs and deliver innovative digital solutions to streamline operations and boost efficiency. Cultivate strategic partnerships with International Financial Institutions (IFIs) and local banking entities. Build connections with investment firms to facilitate bond issuance and real estate certificates for market investment.
• Finalised a $250M mortgage agreement with the largest state-owned bank, facilitating property purchases and bolstering the real estate market.
• Secured the first real estate certificate recognised as securities, pioneering regulatory compliance for construction companies from the Central Bank of Azerbaijan.
• Obtained preliminary approval from the Asian Development Bank for a significant initiative: attracting $50M in funding for an "Affordable Housing" project named “Park Yasamal 2”, aimed at providing residential units for low-and middle-income individuals.
• Attracted over $100M in funding from local banks, significantly enhancing financial resources and operational capacity.
• Enhanced corporate governance practices and elevated brand visibility in the market.

Directed management to align the Bank's strategic objectives with risk mitigation, ensuring continuous response to inherent business risks. Operated as a crisis manager, effectively meeting governmental obligations during critical situations. Engaged in strategic partnerships with government entities and the Central Bank of Azerbaijan to ensure compliance with regulatory obligations.
• Boosted the bank's capital by $34M through strategic financial management and capital enhancement initiatives.
• Secured a $40M pledge of property owned by the founder, safeguarding the return of insured deposits to depositors.
• Facilitated return of $65M to depositors, including $47M in insured deposits, effectively alleviating the state's financial burden.
• Evaluated the bank's financial status and collaborated with the Central Bank of Azerbaijan to formulate and implement crisis intervention plans.