Monitorinq şöbəsinin mütəxəssisi – Mikro kreditlərinin monitorinqi

About the role

The Monitoring Department is seeking a specialist to oversee micro and digital micro‑credit portfolios. The role involves continuous monitoring, on‑site verification and risk analysis to ensure compliance and early detection of potential problems.

Key responsibilities

• Monitor and conduct on‑site verification of micro and digital micro credits.
• Perform dynamic analysis and assessment of the credit portfolio and key risk indicators.
• Identify deviations, potential problem loans, fraud or misuse.
• Analyze credit documents, client business activities, financial condition and key financial metrics.
• Verify proper use of loan funds and compliance with contractual obligations.
• Assess client credit history, payment discipline and other financial obligations from a risk perspective.
• Detect early‑warning signals and negative dynamics in the portfolio.
• Segment the credit portfolio and analyse risk groups.
• Travel to regional offices as required.

Required profile

• University degree in Finance, Economics, Banking, Mathematics or a related field.
• Strong communication, observation and reporting abilities.
• Ability to work independently in the field and make operational decisions.
• High responsibility, discipline and capacity to work under stress in a dynamic environment.
• Ethical conduct and adherence to confidentiality principles.
• Strong analytical thinking and problem‑solving skills.
• Ability to read and analyse financial statements.
• Experience in credit, monitoring, risk or audit within banks, BOKT or other financial institutions.

Required skills

• Microsoft Excel
• Analytical reporting
• Statistical analysis
• Financial modeling