ABOUT
«ARNUR CREDIT»

Zaza Pirtskhelava is the CEO of JSC Credo Bank since 2017 to present. From 2014 to 2017 he was CEO of MFO Credo. In 1992 he graduated from Tbilisi State University, Faculty of Economic Statistics. After that he continued to get an education in Free University Business School ESM and in 2004 he became a Master of Financial Management. Zaza graduated from Harvard Business School's 2012 General Management Program (GMP). In 2022 he graduated from Harvard Business School Advanced Management Program (AMP). He has also successfully completed more than 25 training courses in business, finance, banking and general management in Georgia and Europe.

Ms. Raushan Kurbanalieva graduated from the Kazakh State Academy of Management with a degree in Economic and Social Planning. He has an MBA – Master of Business Administration degree from Almaty Management University, as well as certificates of CAP, USAID / CAMFA II "Financial services for rural areas and agriculture", an intensive MBA course and the A. Galunin School of Business Management.

Ms. Raushan Kurbanalieva has more than fifteen years of experience as Chairman of the Management Board of MFO Arnur Credit LLP. Engaged in attracting investments and grant funds from international investors. During its work under the leadership of Ms. Kurbanalieva, the Company has gone from a regional to one of the largest MFIs in Kazakhstan.

Ms. Raushan Kurbanalieva also has a long experience of membership in the Board of Directors. For more than three years he has been a member of the Board of Directors in the Microfinance Association of the Republic of Kazakhstan; for more than five years he has been an independent member of the Board of Directors in JSC «Shardarinskaya HPP»; for more than four years he has been a member of the Board of Directors in CJSC MDO «Humo» - one of the leading microfinance companies in Tajikistan.

Mr. Damir Kakiyev has successful experience in improving internal operation in a bank and building an effective management systems.

He worked in different banks, where he developed and launched various digital products that helped to develop clients database, increase the level of digitalization in transactions of the institutions. Mr. Kakiyev studied standardization and certification of agricultural product at Kostanai State University and holds MBA in finance and credit.

Natalie is a member of the Board of Directors and a shareholder of Arnur Credit, one of the largest microfinance organizations in Kazakhstan. Natalie is also the Executive Vice President of Cotton CZ, an international cotton trading company representing Kazakhstani cotton on the world market.

Previously, she worked as a professional management consultant in Washington, DC, specializing in strategic communications and fundraising. She worked with her clients on the development and implementation of their marketing and business strategy, as well as managed their relationships with government agencies, international donor agencies and foundations. Ms. Zadzhikova also held the position of Senior Project Manager at the Independent North American Council on Kazakhstan (INACK), where she was responsible for the overall strategic planning and management of the Council. As the company's main point of contact with the governments of the United States, Europe and Eurasia, as well as private sector leaders, she actively promoted the strengthening of bilateral business and economic relations and investments.

Prior to joining the private sector, Ms. Zadzhikova was a senior fellow at the Institute for New Democracies, managing numerous international projects aimed at economic and democratic transition, legal reform, energy security and human rights. She has also worked for the European Energy Security Program CSIS and at Freedom House.

Ms. Zadzhikova holds a degree in international relations from Syracuse University. She was a visiting researcher at Moscow State University and speaks English, Czech and Russian fluently.

Template has more than 20 years of experience in the financial industry, including extensive regional experience in Central Asia and Eastern Europe, working for OikoCredit and Incofin Investment Management. He was also a member of the Board of Directors of Ararat Bank, Armenia.

Shabdan received his first degree in law from the Kyrgyz State National University, as well as an MBA from the School of Management of the University of Bath in the UK.

He currently works as a Senior Investment Manager at Incofin Investment Management, covering Turkey, Uzbekistan, Kyrgyzstan and Azerbaijan.

John is an experienced banker and consultant. He grew up in Zimbabwe, South Africa, graduated from the London University of Economics and Politics, and then received a master's degree in political science from the Hebrew University in Jerusalem.

Having worked for 21 years in the banking sector in Israel and the UK, he has worked on many banking consulting projects in the UK and CIS countries for the last 25 years. He has extensive experience in all aspects of banking, including corporate governance, lending, risk management, audit and strategy.

He served on the supervisory boards of several financial institutions in the UK, Armenia, Tajikistan, Kazakhstan, Russia and Belarus.

Mr. Nurgali Kopbosynov started working at Arnur Credit MFO LLP as Director of the Treasury Department in 2008, and in 2011 was appointed Deputy Chairman of the Management Board. Prior to joining Arnur Credit MFO LLP, Mr. N. Kopbosynov held a number of high positions in the banking sector, including as Chairman of the Management Board of Agrocredit Ordabasy LLP, Chief Accountant at Neftekhimbank JSC, Trust Bank AIB and Turkestan Bank JSC.

Mr. N. Kopbosynov received a degree in law from the International University of Humanities and Technology, as well as a degree in economics and Management in construction from the Kazakh State Academy of Architecture and Construction. He continued training in several certification and training programs, including the Institute of Professional Accountants, Training on the development of relations between MFIs and commercial banks by the World Bank and the Ministry of Agriculture of the Republic of Kazakhstan, the Russian Microfinance Center, training on the Branch Network of MFIs: graduated from the full course of the Business Coach A.Galunin School of Management.

Assem Aidarovna Egizbekova is a member of the Management Board and Deputy Chairman of the Lending Management Board, supervises issues related to the management and development of lending and the branch network.

Ms. Yegizbekova joined Arnur Credit in 2021 as Managing Director for the Implementation of Innovation processes, with her arrival was first developed and implemented digital strategy in the Company.

Ms. Yegizbekova has 16 years of experience in the financial sector, including more than 10 years in microfinance. She has extensive experience in SME lending, product development and implementation, as well as project management.

Ms. Yegizbekova is a graduate of Physics and Mathematics school, has two high educations: technical and financial. Among others, she has an MBA-Intensive certificate: Strategic management in crisis time, advanced training, as well as a certificate from IFC DIGILAB FINANCE, World Bank Group "Accelerating Digital Transformation".

Ms. Bakhtybayeva joined the Arnur Credit team in 2014 as a regional manager. In 2018, she was promoted to Director of the Lending Department, and in 2019 she became Director of the Risk Management Department.

Prior to Arnur Credit, she worked for 12 years at KT ORDA Credit LLP in various positions, starting from the cashier to the head of the lending department. Ms. Bakhtybayeva participated in various training seminars from the EBRD, IFC, ADB and others for top management, has a number of certificates.

Ms. Bakhtybayeva graduated from Taraz State University with a degree in Accounting and Auditing.

Mr. Dautov joined the Arnur Credit team in 2023 as Managing Director for Digital Technologies. Prior to joining MFO Arnur Credit LLP, he held various senior positions in the financial sector and in the higher education sector. He has more than 20 years of experience in the field of information technology, including in the DB of Sberbank JSC, where he worked his way up from a leading specialist to deputy director of the Information Technology Department. He also worked as Director of the Information Technology Center and Managing Director for Digital Transformation at Narkhoz and AlmaU Universities.Mr. Dautov graduated from K. Satpayev Kazakh National Technical University in 2004 with a degree in Information Protection and Security, and graduated from the International Business School with an Executive MBA program in 2018.