Florin Lila is FINCA Impact Finance’s Vice President and Regional Director for Eurasia, where he leads the network’s operations in Armenia, Azerbaijan, Georgia, Kosovo, Kyrgyzstan and Tajikistan. Based in Pristina, he oversees a loan portfolio of nearly USD 300 million, with the six banks and microfinance institutions under his leadership providing responsible finance to more than 320,000 clients.
Florin joined the company in 2012, first as Deputy Regional Director for Eurasia and then as Chief Executive Officer of FINCA Kosovo before becoming Vice President and Regional Director in 2017. He is a member of the Management Team (MT) of FINCA Impact Finance (FIF) and Chair of the Boards of Directors for Georgia, Kyrgyzstan and Tajikistan.
Florin spearheaded successful financial turnarounds at FIF subsidiaries in Kosovo and Tajikistan, with the former achieving profitability during his tenure as CEO and the second under his leadership as vice president & regional director. He has also overseen the implementation of a number of innovative digital financial solutions to increase efficiency and better serve clients. Most recently, FINCA Bank Kyrgyzstan launched a mobile wallet and FINCA Bank Georgia and FINCA Armenia launched online and mobile banking.
He brings a wealth of banking experience and a distinguished academic background. Prior to joining FIF, he had 13 years of experience in the banking sector including multiple roles at the Executive Management and Board of Directors level in Kosovo and in Ghana.
Florin holds an MA degree in Economics for Business Analysis from Staffordshire University, United Kingdom.
“It is better to light a candle than curse the darkness”
John F. Kennedy
For 17 years Elnura Turgunbekova has specialized in audit and has the following professional experience:
The Audit Chamber of the Kyrgyz Republic (the Chief Specialist, a specialist expert, the Head of Department, an external specialist).
A project of the World Bank in the Kyrgyz Republic (the head trainer/ coordinator of the project “Increasing the potential of the audit of the public sector in the Kyrgyz Republic”, coordinator of the World Bank‘s project “Reinforcement of the Audit Chamber of the Kyrgyz Republic”).
The German Association for International Cooperation (Deutsche Gesellschaft für Internationale Zusammenarbeit (GIZ)) – financial audit trainer.
A project of the United National Development Program in the Kyrgyz Republic (Public Audit Officer of the USAID/UNDP project “Providing the transparency of budget in the Kyrgyz Republic”, facilitator on providing financial independence of the judiciary system within the framework of the EU-UNDP project “Assistance to the activity of the Constitutional Chamber of the Supreme Court of the Kyrgyz Republic”).
A project of the Delegation of the European Union to the Kyrgyz Republic (public audit expert of the EU project “Technical support of implementation of contract on reforming of the social welfare sector”).
Fisnik Kepuska joined FINCA in July 2016 as Chief Financial Officer of FINCA Kosovo, later during 2020 he took the position as Chief Operating Officer in FINCA Kosovo. In addition to this, as part of his operational responsibilities on FINCA Impact Finance level, he provides support to the Executive Management teams in FINCA’s subsidiaries of Azerbaijan, Tajikistan, and Kyrgyzstan. He is a Chairman of Audit Committee of FINCA Azerbaijan as well as a member of Board of Directors of FINCA Bank Kyrgyzstan.
He has 20 years of experience in the financial and banking sector in Kosovo and the region, working for international banks such as Raiffeisen Bank Kosovo, Nova Ljubljanska Banka in Kosovo in various management positions including branch management, credit & operational risk, internal audit. He also served for four years as Deputy CEO in Banka Ekonomike.
Other work experience includes working as a Teaching Assistant of Marketing course in the University of Prishtina, serving as Deputy Chairman of the Board of Directors at the Kosovo Banking Association, member of the Audit Committee in the Insurance company SIGURIA as well as in the public sector as the Chairman of the Board of Directors of a municipal’s waste-management company. His initial working experience started as Management Consultant for the USAID project Kosovo Business Support (KBS) and he continues to offer his pro-bono consulting services to CEED for young entrepreneurs.
Fisnik has a Master of Science (MSc) degree from the London School of Economics (LSE) in 2000. Prior to that, he earned a bachelor’s degree from the Faculty of Economics in University of Prishtina. Fisnik speaks fluent Albanian, English, Serbian and Croatian.
Nurgul Torobaeva has approximately 25 years of experience in the field of banking and financial services.
Her professional career includes work in the National Bank of Kyrgyz Republic, the Financial Company for Credit Unions, German technical support program, over 13 years in managerial position in the Bai Tushum Bank and provided consultancy services to several organizations, one of which was located in Papua New Guinea. Her areas of expertise are finance management, risk management, accounting, assets and liability management, project management and others.
Since 2012, she has been a member of the Supervisory Board of Bank Arvand in Tajikistan, and since 2021 – a Member of the Board of Directors of the CJSC “FINCA Bank”, Kyrgyzstan.
Nurgul Torobaeva has numerous certificates of completion of training in asset and liability management, risk management, corporate governance, etc. In 2010, she completed advanced training courses at the Graduate Banking School of the American Bank’s Association. In 2019, she passed the exam for a certified expert in risk management in Frankfurt School, Germany.
Ms. Evgenia Gashikulina has over 20 years of banking expertise across different markets, including 10 years in executive roles.
Evgenia held several senior and executive positions at the Moldovan subsidiary of a major international MSME banking group. From 2019 to 2022, she worked in a leading MSME bank in Azerbaijan as First Deputy CEO and Interim CEO. Currently, she is a Senior Banker in a German consulting company I.D. Inspiring Development GmbH.
Ms. Gashikulina’s main focus areas are MSME and retail business development, lending and credit risk management, change and turnaround management, strategy advisory, and operational efficiency. As an advisor, she led teams conducting due diligence of banks and FIs, as well as worked with senior management teams to successfully transform, redesign and reorganize their MSME and retail operations. Her experience supporting institutions and projects in CIS, CEE, Africa, and Latin America gives a global perspective and enhances cross-cultural communication skills.
Until 2008 Ms. Gashikulina worked as a bank adviser in the microfinance facility of the European Bank for Reconstruction and Development (EBRD) in Kyrgyzstan, where she was in charge of setting up microfinance departments in the partner banks.
Evgenia holds Risk management certification from Frankfurt School of Finance and Management and a Global Executive MBA from Ecole des Ponts, Paris, and EADA, Barcelona.
FINCA Bank Management Team
Our management team brings vast experience, professional skills and expertise from various industry backgrounds
Makhmud Saidakhmatov joined FINCA in December 2006 as COO for FINCA Kyrgyzstan. After successful implementation of all strategic goals assigned to this role, in 2009 he was appointed CEO of FINCA Azerbaijan, and later in 2010 as CEO of FINCA Kyrgyzstan. He held the position of CEO of FINCA Kyrgyzstan until February of 2015 and later was assigned as an advisor to the management team of FINCA Bank Kyrgyzstan. From July 2015 to June 2018 Makhmud has been leading FINCA’s operation in Jordan as a Country director and the CEO.
Currentrly he is the CEO and Chairman of the Management Board of FINCA Bank Kyrgyzstan.
Prior to joining FINCA, Makhmud worked for more than years for “LFS Financial systems GmbH”, a German consulting and management company specialized in banking and SME finance projects in developing and transition countries. As a banking advisor, he managed projects in Uzbekistan and Tajikistan focused on the establishment of micro and SME lending operations at various commercial banks. In 2003, Makhmud was working in Azerbaijan to develop micro and SME lending practices at Access Bank Azerbaijan. Makhmud commenced his professional banking career in 1998 at the National Bank of Uzbekistan, where he worked for three years as a Senior Investment Officer.
Makhmud holds a diploma in economics from the National University of Uzbekistan and Master’s degree in Economic and Social Studies from the University of Manchester, UK. He also holds a professional certification of Stonier Graduate School of Banking administered by the American Bankers Association at the University of Pennsylvania, Philadelphia, USA.
Maksat Saparovich joined the FINCA family in 2008 in the capacity of the Treasurer of the CJSC “FINCA MCC”. In 2015 he became the Head of the Treasury Department of the CJSC “FINCA Bank”.
On May 10, 2018, the National Bank of the Kyrgyz Republic approved the candidacy of Maksat Begaliev for the position of the Deputy Chairperson of the Management Board, the Chief Financial Officer of the CJSC “FINCA Bank”!
Maksat Saparovich was born and grew up in the city of Bishkek. He was born on October 28, 1978.
He received higher education with a specialization in “World Economy” in the Kyrgyz-Russian Slavic University.
After graduating from the university in 2000, Maksat Saparovich started his career in the National Bank of the Kyrgyz Republic in the capacity of an officer of the Banks Inspecting Office of the Inspecting Department.
From 2004 to 2008, he worked as an accountant of a branch, Deputy Branch Manager, the Head of the Internal Audit Department, was engaged in the branch network development in the Kyrgyz Investment and Credit Bank (KICB).
It’s noteworthy that the candidacy of Maksat Begaliev was put in nomination and supported by the management based on his sound experience in banking, as well as due to his lasting adherence to the values of FINCA for many years.
Asseta Krasnozhonova joined FINCA Kyrgyzstan in March 2013 to lead transformation of Micro Credit Company to Commercial Bank. In a role of Member of the Management Board is responsible for managing the launch of banking services that support the full range of client service and for leading business model transformation to get greater efficiency to the customers through digitization, centralization of customer services and process automation.
Prior to joining FINCA Kyrgyzstan, from 2010 to 2013, Asseta worked for the French financial holding Oxus International Kyrgyzstan as Chief Operations Officer.
From 2004 to 2010, Asseta had been working for CJSC “Demir Kyrgyz International Bank”, where in 2007 she created and then headed the Retail Banking Department, holding the position of the Head of the Retail Banking Department. Until 2004, Asseta worked in the UK Department for International Development (DFID).
She holds an MBA degree in the economics from the Kyrgyz State University, Diploma of accomplishment of Banks Executive Education Program at ABA Stonier graduate School of Banking.