ABOUT
«ARNUR CREDIT»

Gani is an experienced lawyer and financier. A native of the South Kazakhstan region, he graduated from Kainar University with a degree in Law.

The total work experience of 18 years in the banking and financial sector, worked in senior positions and has professional skills in financing and lending, claim work, auditing and legal support.

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.

Botagoz Sultanova has been working in the banking and financial sector for more than 22 years. She started her career in the field of lending in 1998, as a credit expert at TuranAlem Bank, in Almaty. Worked as a consultant on lending and auditing in the EBRD small business lending project, Head of the Credit Department at ATF Bank, Head of the Corporate Business Risk Division at the People's Bank of Kazakhstan; Executive Director, partner of the Kazakhstan audit company. Since 2017, he has been working as an independent director of Optima Bank OJSC (Kyrgyzstan).

In 2011, she founded a consulting firm and is its general manager, manages international projects for financial organizations. During this time, she has completed more than 30 consulting projects for international financial organizations (EBRD, IFC, ADB, GIZ), banks, international funds and microfinance organizations (MFOs) in Europe and Asia (in 10 countries) in the field of lending, internal audit and control, risk management, strategic and business planning.

In 2003, she received the qualification of an auditor of the Republic of Kazakhstan, the international certification of an accountant CAP, and in 2008 the international qualification of a professional accountant CIPA. Has a certificate of a professional accountant of the Republic of Kazakhstan. First education — technical, graduated from the Faculty of Technology of Omsk University of Service (Russia). Speaks Russian and English.

He has diplomas and certificates in finance, Basel, Audit, marketing, management, sales and personal effectiveness. Passes advanced training for at least 40 hours per year according to the requirements of professional organizations. Member of the Chamber of Auditors of the Republic of Kazakhstan, Member of the Global Institute of Internal Audit.

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.

Alisher Abdurakhimovich Abamuslimov 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.

Mr. Alisher Abamuslimov graduated with honors from the University of Engineering and Humanities with a degree in Law. On the recommendation of the University Administration, he began his career at the Department of Economics and Law as a teacher in Financial Law, Banking Law, etc. He received a master's degree in Law from the International Kazakh-Turkish University named after A.Yassavi. In 2007, he continued his career in Kazkommertsbank as a lawyer.

Mr. Alisher Abamuslimov joined the Arnur Credit team in 2008 as a legal adviser to the branch. Subsequently, he held the position of a credit expert, head of the department and in 2011 became the director of the branch. In 2015, he became Acting Deputy Chairman of the Management Board for Operations with subsequent approval by the Board of Directors and became a member of the Management Board in 2018. Regularly participates in training seminars of the EBRD, IFC, ADB and others for top management, has a number of certificates in the field of management and finance.

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. Igor Pak graduated from Tomsk State University of Control Systems and Radio Electronics, Faculty of Computing Systems in 2006 and qualified as a CAD engineer (computer-aided design systems). In 2021, he graduated from the MBA in Almaty Management University in the direction of General and Strategic Management. Has a certificate of Procuration with SAP ERP 6.0 EHP6. and a certificate in Strategic Marketing from the Kiev Academy of Media Arts.

He has been working in the field of software development, IT consulting, ICT infrastructure and cloud services for more than 16 years, 7 of which have been in leadership positions.