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
Chikako Kuno has 30 years of experience working in emerging markets in Eastern Europe, the Commonwealth of Independent States, Africa and Latin America. Before joining FINCA, Ms. Kuno led the Small Business Finance team as a director in the Financial Institutions Group at the European Bank for Reconstruction and Development (EBRD) in London. During her IFI and commercial banking career, Ms. Kuno led teams in investments, project finance, portfolio management, capital markets and syndications.
Ms. Kuno also served as a Peace Corps volunteer in Chile and Honduras. She holds a Master’s Degree in international economics from The Johns Hopkins University School of Advanced International Studies, and a Bachelor of Arts from the University of North Carolina at Chapel Hill.
“You are not here merely to make a living. You are here in order to enable the world to live more amply, with greater vision, with a finer spirit of hope and achievement. You are here to enrich the world, and you impoverish yourself if you forget the errand.”
My professional career started in 1980, and it lasts for 38 years. Currently I work as the Sabancı Holding executive group director and a board member of 8 Sabancı group companies.
My first job was a part time position at one of the largest newspapers international publications department, later as a touristic tour operator.
My first full time job after obtaining my BA degree with honours was a management candidate position at Interbank. I was quickly promoted to higher positions at Interbank (which influenced the Turkish financial sector for 20 years), working as a financial analyst, credit risk analyst, sales and marketing at different city branches. I established the cash management department, the first one in the sector.
I accepted the assistant GM position at a prestigious investment banking firm Garanti Yatırım Bank. This time I practiced sales marketing in the private banking area. During this period the bank became the leader for M&A operations, fund size, distancing itself from the competition.
When Yapı Kredi Bank established the Marketing Department and offered me the department Head position, I immediately accepted it, as it was a big opportunity and a challenge.
All of these different fields of experience – project management, strategic planning, human resource management experience – provided a serious foundation for my work when I became a Board director of FINCA Bank Kyrgyzstan, the GM of Akemeklilik pension company, the board member of Kordsa (Industry),Temsa(Automotive), Carrefoursa (Retail), Tursa (Tourism), Avivasa and Aksigorta.
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”).
Stanislav Karpovich is a partner at the consulting company “FNT Consultants” which specializes in public sector and social development, corporate governance and development of strategies for foreign and local companies.
His qualification profile includes thorough understanding of the specifics of the local economy, more than 10 years of experience as an independent member of the Board of Directors of multiple Kyrgyz commercial banks, strategic planning and risk management, internal audit and compliance.
Stanislav Karpovich also works on improving loan portfolio quality and increasing assets. Within the framework of work in consulting companies, Stanislav Karpovich was involved in the work of many international projects with budgets of more than 5 million US dollars; the projects concerned providing consulting services to beneficiary organizations improving competitiveness of Kyrgyz products and services. He is a member of the board of overseers of the American University of Central Asia and a member of the Finance Committee.
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 as the Head of Banking Services Department.
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).
In April 2015, the Board of Directors appointed Asseta to the Management Board of the CJSC “FINCA Bank”. She holds an MBA degree in the economics of enterprise from the Kyrgyz State University.