Date of birth: 21.08.1978

(2014-2017)   Swiss Business School, DBA     Zurich, Switzerland
                     Scientific work: "State support for small and medium-sized businesses in  Kazakhstan"                                                                  
(2014-2016)   Swiss Business School, MBA      Zurich, Switzerland
                    Specialty: Master of Applied BusinessМастерResearchисследований                                                             

(2005-2007)  International Business Academy, MBA        Almaty, Kazakhstan                               
                    Specialty: Corporate Management

(1995-2000)   Socio-Economic Institute        Moscow, Russia
                    Specialty: Specialty: Accounting and Audit                                                   


(2019) State Institution "Center of Forensic Expertise"                                                   Astana, Kazakhstan
 Qualification of a forensic expert (license no. KZ19000715805)

(2022) Chamber of Appraisers                                                                                           Almaty, Kazakhstan
 Assignment of the qualification "Appraiser" in the following specialties:
 "Valuation of movable property"
 "Real estate valuation"
 "Intellectual property Assessment"

Work experience:    
LLP QUBS Company, Almaty, Kazakhstan (2018-present)
Managing Partner

Second-tier banks of Kazakhstan (2000-2017)
Managing Director-Member of the Management Board:
Competence: General and operational management of credit and non-credit product sales units, coordination and development of the Bank's branch network. Coordination and management of state programs and programs of International financial institutions, interaction with development institutions, including international ones. Build new business processes, attract new customers, and develop new products and services for corporate and retail customers. Interaction with international rating agencies and audit companies.
Corporate Business Office Manager:
Competence: General and operational management of the loan portfolio of the Bank's Office in Almaty. Cross-selling credit and operational products. Coordination and management of cash and settlement departments that are part of the Office structure.

Deputy Managing Director of the Corporate Finance Department:
Competence: General and operational management of the Bank's corporate client portfolio (large business segment). Coordination of structural divisions that are part of the Department's structure. Interaction with IFIs, development institutes, international rating agencies and audit companies.

Internship:    KookminBank, Seoul, South Korea (09/2011-10/2011)


Factoring, Sofia, Bulgaria (09/2005)
Strategic Sales, Almaty, Kazakhstan (11/2008)
Financial Management and Management Accounting, Almaty, Kazakhstan (09/2009)
Psychology of working with clients, Almaty, Kazakhstan (09/2009)
Fundamentals of Oil and Gas Business, Almaty, Kazakhstan (11/2011)
Corporate Banking: Lending and Risks, Prague, Czech Republic (06/2014)
Certificate of appreciation for contribution to the Report of the project promoting business development in agriculture for 2017, World Bank Group (03/2017/2017)                                           

Languages:     Kazakh, Russian and English.

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Курманова Алмагуль Медеубаевна