MAKSAT SOVETBEKOVICH ERZHANOV

Education:

• 2001–2004: Secondary Specialized Economic Education, Kyrgyz Economic College at the International Academy of Management, Law, Finance and Business (MAUPFiB), Specialization: Accounting, Analysis, and Audit
• 2004–2008: Higher Economic Education, Kyrgyz National University named after Jusup Balasagyn, Specialization: Taxes and Taxation

Professional Experience:

• 2023–Present: OJSC “Aiyl Bank,” Chairman of the Board of Directors
• 04.2023–08.2023: OJSC “Keremet Bank,” Deputy Chairman of the Executive Board
• 08.2022–11.2022: OJSC “Aiyl Bank,” Chairman of the Executive Board
• 04.2022–08.2022: OJSC “Aiyl Bank,” Deputy Chairman of the Executive Board
• 06.2021–04.2022: CJSC “Bank of Asia,” Director of Kudaibergen Branch
• 03.2018–06.2021: CJSC “Bank of Asia,” Deputy Director of Abdrakhmanova 101 Branch
• 06.2016–03.2018: CJSC “Bank of Asia,” Head of Credit Department, Branch
• 05.2013–06.2016: CJSC “Bank of Asia,” Chief Specialist, Credit Department, Branch
• 04.2011–05.2013: CJSC “Bank of Asia,” Credit Specialist, Branch
• 02.2009–04.2011: Bishkek Branch of OJSC “Invest Bank Issyk-Kul,” Collateral Specialist
• 02.2008–02.2009: Karakol Branch of OJSC “Invest Bank Issyk-Kul,” Collateral Specialist
• 04.2007–10.2007: Bitex Audit LLC, Auditor Assistant

Additional Training and Certifications:

• ESG Risk Management, Sustainable Development Academy, SBK
• Planning, Stimul Education & Consulting LLC
• Collateral Valuation: Real Estate Valuation, Association of Accountants and Auditors
• Small Business Lending Technology: Level 1, CJSC “Bank of Asia”
• Small Business Lending Technology: Features of Lending to Legal Entities and MSMEs, European Bank for Reconstruction and Development (EBRD)
• Statistical Assessment of Credit Risk for Consumer Loans, SBK
• Islamic Trade Financing for Financial Institutions, National Bank of the Kyrgyz Republic (NBKR)
• Islamic Finance Principles, Agency for the Development of Islamic Economics
• Anti-Money Laundering and Countering the Financing of Terrorism (AML/CFT), Training and Methodological Center of the State Financial Supervision Service under the Cabinet of Ministers of the Kyrgyz Republic
• Corporate Governance, SBK Training Center
• Training for Trainers, Legal Practice LLC
• Features of Lending to Legal Entities and MSMEs: Level 2, CJSC “Bank of Asia”
• Small Business Lending: Practical Workshop, CJSC “Bank of Asia”
• Statistical Assessment of Credit Risk for Consumer Loans Using Excel: Part 1, SBK Training Center
• Client Acquisition and Servicing: Monitoring and Managing Overdue Loans, CJSC “Bank of Asia”
• Creating Tabular Documents in Microsoft Office Excel, CJSC “Bank of Asia”
• Small Business Lending Technology: Features of Lending to Legal Entities and MSMEs, EBRD
• Individual and Group Lending in Microfinance Organizations: Level 1, Association of Microfinance Organizations

Awards:

• Certificate of Honor, Union of Banks of Kyrgyzstan
• Certificate of Honor, State Agency for State Property Management under the Cabinet of Ministers of the Kyrgyz Republic, 2025