Alasgar Hasanli
Digital Lending Risk Expert
Summary
Results-driven Digital Lending Expert with extensive experience at PASHA Bank OJSC, specializing in credit risk management and data analysis. Successfully optimized decision engine performance, enhancing credit decision quality. Proven ability to streamline processes and foster stakeholder communication, combining analytical skills with a commitment to operational excellence.
Overview
11
11
years of professional experience
6
6
years of post-secondary education
Work History
Digital Lending Risk Expert
PASHA Bank OJSC
02.2024 - Current
- Optimized Diagnostic Decision Engine Performance: Fine-tuned algorithms and configurations to improve accuracy, scalability, and processing speed, directly contributing to enhanced credit decision quality.
- Process Improvement & Automation: Streamlined loan assessment workflows, automated repetitive tasks, and reduced bottlenecks—accelerating time-to-decision in the credit pipeline.
- Credit Conveyor Oversight: Led end-to-end setup and management of the credit conveyor; developed credit risk mitigation strategies to assess creditworthiness, reduce delinquencies, and minimize defaults.
- Data-Driven Decision Support: Collaborated with data scientists to analyze historical loan data, identify outliers and risk trends, and derive actionable insights using advanced analytics and predictive modeling.
- Innovation & Technology Integration: Drove innovation by integrating machine learning models and AI-based scoring systems into the decision-making process—improving precision and operational efficiency.
- Reporting & Stakeholder Communication: Translated complex data into clear dashboards and analytical reports for stakeholders, highlighting key performance indicators and strategic recommendations.
- System Reliability & Testing: Conducted comprehensive testing and troubleshooting to eliminate bugs and errors, ensuring the decision engine’s robustness and reliability.
- Engine Monitoring & Change Management: Maintained and updated engine reports; verified results and documented detailed change analyses, supporting continuous model validation and governance.
- Cross-Functional Collaboration: Actively collaborated with data analytics teams, data engineers, and both front-end and back-end developers to ensure seamless integration of credit decision tools, data pipelines, and user interfaces—aligning technical execution with business objectives.
- Risk & Opportunity Assessment: Led the assessment of new digital banking products by identifying associated risks and opportunities, considering financial exposure, industry realities, and client needs to ensure sustainable product development.Advise on new product launches from a credit risk perspective.
Senior Credit Risk Specialist
PASHA Bank OJSC
02.2019 - 01.2024
- Managed business credit reports using all relevant research, investigation methods and data, providing justification for recommendations.
- Maintained organizational efficiencies by constantly reviewing and updating credit and loan files.
- Conducted ongoing portfolio analysis to facilitate accurate assessment of performance against credit risk metrics.
- Performed credit analysis, evaluating financial status to accurately determine feasibility of loan.
- Produced monthly NPL reports.
- Produced quarterly RHI reports.
- Creating internal and external audit reports.
- IFRS Provision.
- Formulated policy and strategy for credit portfolios.
- Calculating CBAR provision and checking accuracy regulatory standards
- Help design or refine internal credit risk policies, frameworks, and underwriting criteria.
- Conduct scenario analysis and stress testing.
Loan Monitoring Specialist
PASHA Bank OJSC
04.2015 - 02.2019
- Observed, assessed and reviewed day-to-day operations and production to verify compliance with regulations for emissions and waste.
- Created and deployed risk and injury avoidance techniques and emergency protocols in coordination with company leaders.
- Monitored and recorded environmental performance metrics to measure and report cooperation with environmental goals and requirements.
- Administered safety tests to assess machinery and equipment and determine potential faults or issues needing repair.
- Reviewed and reported on safety measures and workplace incidents, spearheading committees and initiatives driving vital change in workplace environments.
- Increased production rate by using excellent time management and leadership skills throughout all tasks.
Relationship Manager
PASHA Bank OJSC
02.2014 - 03.2015
- Maintained knowledge on banking products and distribution to provide optimal service support.
- Managed long-term customer relationships.
- Defined proactive retention strategy that led to customer retention increase.
- Effectively implemented and managed new CRM Systems Identified, controlled and managed risk through diligent data and database management.
Education
Master - Stock Exchange And Management
UNEC
Baku 11.2021 - 11.2023
Bachelor - Stock Exchange And Management
UNEC
Baku 09.2008 - 06.2012
Skills
Statistical analysis techniques
Credit risk management
Credit exposure monitoring
Loan recovery processes
Loan documentation
Credit analysis
Data analysis
Tableau
Agile
Timeline
Digital Lending Risk Expert
PASHA Bank OJSC
02.2024 - Current
Master - Stock Exchange And Management
UNEC
11.2021 - 11.2023
Senior Credit Risk Specialist
PASHA Bank OJSC
02.2019 - 01.2024
Loan Monitoring Specialist
PASHA Bank OJSC
04.2015 - 02.2019
Relationship Manager
PASHA Bank OJSC
02.2014 - 03.2015
Bachelor - Stock Exchange And Management
UNEC
09.2008 - 06.2012
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