RAFİGA HUSEYNOVA
Baku
Summary
Highly skilled Credit Specialist with experience in managing large credit portfolios, performing detailed risk assessment, and implementing effective financial solutions. Display strong analytical skills, a knack for problem-solving, and the ability to work under pressure. Previous roles have demonstrated success in improving credit processes and reducing delinquency rates by establishing robust credit policies
Overview
4
4
years of professional experience
Work History
Credit Specialist
Kapital Bank [ Head Office ]
12.2021 - 03.2024
• Loans, installments, etc. to customers. make calls related to the sale of products and providing information;
• Making calls to customers regarding various inquiries;
• Responding to requests received by customers regarding credit products;
• Analyze potential customers and determine the loan product and loan amount that can be formalized;
• Directing potential customers to the Bank's branches and following up the loan process to the end, etc.
Programming Teacher (Freelancer)
Mars Academy
09.2020 - 10.2021
- To prepare final grade students for the python olympiad
- Organize various seminars and answer questions in detail.
Front-end developer (İntern)
Özgün Yapı
06.2021 - 08.2021
- Reates websites and applications using web languages such as HTML, CSS, and JavaScript
- Working on various real projects.
Education
Master - Information Protection and Security
Azerbaijan Technical University (AZTU)
07-2022
Bachelor - Information Technologies
Azerbaijan State University of Economics (UNEC)
07-2020
Skills
- Management Skills
- Creativity
- Digital Marketing
- Negotiation
- Critical Thinking
- Leadership
- Analytical skills
- Sql
- Python
- Tableau
- Spss
- MS Office
- Html
- Css
- Data Analytics
- Credit underwriting
- Effective Communication
- Credit decision making
- Cash Flow analysis
- Risk Analysis
- Credit analysis
- Customer records analysis
- Consumer credit knowledge
- Banking regulations
- Banking operations
- Sales Support
- Risk Assessment
- Credit assessments
Websites
Languages
- English - B2
- Turkish- C1
Timeline
Credit Specialist
Kapital Bank [ Head Office ]
12.2021 - 03.2024
Front-end developer (İntern)
Özgün Yapı
06.2021 - 08.2021
Programming Teacher (Freelancer)
Mars Academy
09.2020 - 10.2021
Master - Information Protection and Security
Azerbaijan Technical University (AZTU)
Bachelor - Information Technologies
Azerbaijan State University of Economics (UNEC)
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