Aysel Jafarova
Baku,AZE
Summary
Dynamic banking professional with a Bachelor’s degree in Political Science and extensive experience in online credit operations, retail banking, and consumer loans at Unibank Commercial Bank. Proven ability to enhance operational efficiency, mentor teams, and deliver excellent customer service. Skilled in Microsoft Office Suite and Oracle SQL, with strong analytical and problem-solving abilities. Adept at managing complex banking processes, taking on leadership responsibilities, and driving strategic goals while improving client experiences.
Overview
3
3
years of professional experience
Work History
Leading Specialist-Retail Banking Department
Unibank Commercial Bank
Baku
06.2024 - 08.2025
- Oversaw complex retail and loan operations, ensuring accuracy, compliance, and efficiency.
- Substituted for the Branch Manager when delegated, taking responsibility for branch operations, staff oversight, and service quality.
- Supported branch strategic targets by improving customer experience and operational effectiveness.
- Mentored junior colleagues and provided on-the-job training.
Specialist - Retail Banking Department
Unibank Commercial Bank
Baku
11.2022 - 06.2024
- Independently managed full consumer loan processes from consultation to disbursement.
- Provided detailed explanations of products and advised clients on suitable solutions.
- Substituted for the Team Leader during absences, coordinating daily workflow and supervising junior staff.
- Prepared reports and documentation using MS Excel and Word.
Junior Specialist- Retail Banking Department
Unibank Commercial Bank
Baku
07.2022 - 11.2022
- Accepted and verified consumer loan applications, checking eligibility and documentation.
- Opened and managed client accounts, deposits, and payment operations.
- Supported daily retail banking transactions in compliance with procedures and regulations.
Online Credit Applications – Junior Specialist
Unibank Commercial Bank
Baku
03.2022 - 07.2022
- Processed customer credit applications received via online channels (mobile app, website, call center, SMS, social media).
- Advised clients on credit terms, repayment conditions, and required documentation.
- Handled loan approval workflows, contract preparation, and disbursement processes.
- Conducted cross-selling of financial products to online applicants.
- Monitored repayments and followed up on overdue loans in accordance with internal policy.
Education
Political Science
The Academy Of Public Administration Under The PRA
Baku, Azerbaijan05-2021
Skills
Technical Skills
- Proficient in Microsoft Office Suite (Excel, Word, PowerPoint, Outlook)
- Working knowledge of Oracle SQL (data querying, reporting, basic database operations)
- Experience with loan processing systems and retail banking software
- Strong documentation, reporting, and record-keeping skills
Professional & Interpersonal Skills
- Strong analytical and problem-solving abilities
- Customer service and client relationship management
- Teamwork and leadership (experience substituting Team Leader & Branch Manager)
- Time management and ability to perform under pressure
- Effective communication and negotiation skills
Languages
Azerbaijan
First Language
English
Intermediate (B1)
B1
Russian
Beginner (A1)
A1
Timeline
Leading Specialist-Retail Banking Department
Unibank Commercial Bank
06.2024 - 08.2025
Specialist - Retail Banking Department
Unibank Commercial Bank
11.2022 - 06.2024
Junior Specialist- Retail Banking Department
Unibank Commercial Bank
07.2022 - 11.2022
Online Credit Applications – Junior Specialist
Unibank Commercial Bank
03.2022 - 07.2022
Political Science
The Academy Of Public Administration Under The PRA
Similar Profiles
AMID SHUKUROVAMID SHUKUROV
Senior Back-End Developer at Bank ABB - "International Bank of Azerbaijan" OJSCSenior Back-End Developer at Bank ABB - "International Bank of Azerbaijan" OJSC
BELLA MARIE SYLVIE ÉPOUSE ABEBELLA MARIE SYLVIE ÉPOUSE ABE
Assistante de direction – Pôle bancaire at Commercial Bank of Cameroon (CBC Bank)Assistante de direction – Pôle bancaire at Commercial Bank of Cameroon (CBC Bank)
SARAVANAN VSARAVANAN V
Lead Associate at WNS Global Services Pvt LTD (Clients: First Abu Dhabi Bank (FAB) / Commercial Bank of Dubai (CBD), UAE)Lead Associate at WNS Global Services Pvt LTD (Clients: First Abu Dhabi Bank (FAB) / Commercial Bank of Dubai (CBD), UAE)
Tariyel NurməmmədovTariyel Nurməmmədov
Gömrük üzrə aparıcı mütəxəssis at Azərenerjikomplektləşdirmə MMC ( AZƏRENERJİ ASC)Gömrük üzrə aparıcı mütəxəssis at Azərenerjikomplektləşdirmə MMC ( AZƏRENERJİ ASC)
Ruhin VALIKHANRuhin VALIKHAN
Target Group Coordinator at FIFA Club World Cup Saudi Arabia 2023Target Group Coordinator at FIFA Club World Cup Saudi Arabia 2023