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Accomplished banking and financial services professional with over 20 years of experience in leadership, business development, and corporate lending across top-tier banks in Azerbaijan. Proven track record in driving operational excellence, managing cross-functional teams, and implementing strategic initiatives that enhance revenue, optimize business processes, and strengthen client relationships. Skilled in partner affairs, product management, credit portfolio oversight, and acquisition strategies, with hands-on experience in both lending and non-lending products. Adept at leading projects, negotiating high-value contracts, and introducing innovative banking technologies to align with organizational goals. Recognized for fostering collaborative work environments, mentoring staff, and delivering measurable business results through strategic planning and market-focused solutions.

Chargeback and Fraud Specialist with 3 years of experience across two banks, specializing in dispute resolution and fraud investigation. Quick to adapt, detail-oriented, and skilled in analyzing complex cases, especially those requiring non-standard solutions. Well-versed in Visa and Mastercard rules, with a proven ability to process chargebacks efficiently and detect fraud patterns. Focused on reducing risks for the bank while maintaining a high level of customer trust.

 Strategic and customer-focused professional with a passion for delivering innovative, user-centric products. Skilled in market analysis, digital advertising, and brand management, with a strong ability to drive seamless, impactful experiences for customers. Recognized for leveraging communication, teamwork, and adaptability to develop and implement strategies that enhance customer satisfaction and drive business growth. Enthusiastic about creating products that simplify users' lives while achieving measurable results. 

HR professional with expertise in Talent Acquisition, Organizational Development, and Internal Communication. Experienced HR Business Partner, advising leadership on workforce planning, talent management, and employee performance. Skilled in coordinating recruitment processes, building talent pipelines, and implementing training initiatives. Proven ability to enhance internal communication, foster collaboration, and drive HR projects such as onboarding, employee engagement, and employer branding.

Dedicated professional with expertise in cash handling proficiency and workforce scheduling. Skilled in return and exchange procedures, with a friendly disposition that enhances customer interactions. Proficient in bill calculation and reservation software navigation, adept at handling difficult customers with empathic listening and resilient to stress. Experienced in designing communication campaigns, demonstrating polite phone etiquette and a commitment to delivering exceptional service.

Resourceful and dedicated to excelling as Drilling Fluids Engineer. Demonstrates proficiency in analytical problem-solving and teamwork, coupled with strong communication abilities. Aims to enhance operational efficiency and contribute to successful drilling projects. Demonstrates a strong understanding of rheology, fluid mechanics, and solids control, complemented by proficiency in software and data analysis. Skilled in bentonite mixing techniques and chemical mixing, ensuring compliance with HSE regulations while maintaining environmental consciousness. Known for innovation and creativity in oilfield equipment management and cost estimation. Career goals include advancing sustainable drilling practices through enhanced engineering solutions.

Detail-focused recent graduate seeking an entry-level opportunity to begin a professional career. Eager to learn and develop new skills, with a strong sense of responsibility and reliability. Known for paying close attention to details, following instructions carefully, and approaching new challenges with a positive and motivated attitude.

    "Certificate of Recognition (2023) - Awarded by Rabitabank OJSC for demonstrating responsibility, determination and professionalism in my role"    "Certificate of Recognition (2023) - Awarded by Rabitabank OJSC as the 1st quarter winner for quality of service"    "Certificate of Recognition (2023) - Awarded by Rabitabank OJSC as the service quality winner of the year"    "Certificate of Recognition (2024) - Awarded by Rabitabank OJSC as the 2nd quarter winner for quality of service"  

Results-driven Credit Expert with extensive experience at Berkadia, excelling in loan underwriting and risk evaluation. Proven track record in preparing high-quality credit packages and mentoring teams. Skilled in data interpretation and cross-functional collaboration, achieving recognition for maintaining exceptional quality standards in loan submissions.

Reliable and adaptable individual with strong organizational and analytical skills. Possess foundational knowledge of documentary credit regulations and proficiency in data analysis and document preparation. Committed to optimizing trade processes and fostering successful business relationships. Strong focus on team collaboration drives achievement of results. Excels in navigating dynamic environments. Skilled in cross-cultural communication, documentation management, and problem-solving.

Anar Khalilov

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Credit expert

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