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Top-management

	GULNARA SHAMSHIEVA General manager A determined, firm of purpose, persistent and exigent person, possesses an attractive charisma and a developed feminine pragmatism. Gulnara Shamshieva has an experience as an accountant and a financial observer of ACDI/VOCA representation in Kyrgyzstan from 1997 to 2001. The Company under her direction has developed itself dynamically more than 12 years already, gaining its position of a leader in the microfinance market. Since April 2001 she has been appointed as a General Manager of the Company. Gulnara Shamshieva has worked in the microfinance industry since 1997. She graduated the Kyrgyz State National University, faculty of law and economy. She has САР certificate, The Union of Accountants and Auditors member, as well as has CARANA, IBTCI, MFC and other international training centres certificates. Gulnara Shamshieva has taken a CARANA specialized course and IBTCI specialized course on financial and administrative registration, participation in the training program of the Institute of Small–scale enterprises Development in Manchester (USA), on the special course for microfinance organizations. In 2008 she finished extension courses in the Banking school of the USA Bank Association.
	NURGUL TOROBAEVA Deputy General Manager Graduated from the International University in Kyrgyzstan, Higher School of Economics and Business, Master in Economics. She has more than 15 years of experience in microfinance sector. Nurgul Torobaeva started her work experience as the specialist on reorganization of the financial system in frame of realization of World Bank FicSAC program of the National Bank of the Kyrgyz Republic, later she worked in Finance Company of Credit Unions Support and Development as chief expert on methodology and supervision and manager of the audit and monitoring department. She has three years experience in the project “Development of Rural Financial Institutions” of German Organization of International Cooperation (уточнить официальное название). In the capacity of achievement, adaptation of software “Micro banker” is developed by FAO with GTZ for micro finance institutions, with requirements of credit unions and implementation of given software in 10 pilot credit unions. She is working for “Bai – Tushum and Partners” since 2005 starting from the Financial Manager position. Major achievement is the building of risk-management system and enhancement of financial management system based on market risk estimation. She is Deputy General Manager since April 2010 and coordinating Treasury, Operational Department, Information Technology Department, Methodology Department and Security Service Department of Bank. Nurgul Torobaeva has many certificates of the Bank Training Centre (Kyrgyzstan), the Microfinance Center (Poland), the International Finance Corporation and many others. In 2010 she finished extension courses in the Banking School of the USA Bank Association. In 2012 she successfully passed exam and obtained certificate GARP (Global Association of Risk Practitioners).
	IRINA RUD Head of Credit Department Irina graduated from the Kyrgyz-Russian (Slavic) University in two majors, faculty of economics, management specialty and faculty of law, civil law specialty. Her career began as an intern in the bank, program for the Micro and Small Finance, EBRD. Irina works in the banking sector for more than 10 years. She was actively involved in implementation of new principles of financial analysis of the customers’ business by business and consumer lending sectors. Irina trained more than one hundred employees of banking sector theoretical and practical knowledge in the field of lending. She has passed trainings on the following programs: Elements of banking and financial analysis of companies Investment lending Mortgages Effective presentation Communication in sales Since April 2012 Irina works as Head of Credit Department in CJSC MFB Bai-Tushum and Partners.
	ANARA BAIJUMANOVA Head of the business development department Anara Baijumanova graduated from the Balasagyn State National University, majoring in economics and sociology of labor. For the past nine years she worked at the German Society for International Cooperation, in the position of Project Coordinator for Economic Development in Kyrgyzstan. She supervised activities on issues to improve the investment climate in the Kyrgyz Republic, the development of regional economy, strengthening of value chains in different sectors of the economy, issues of easy access of SMEs to funding. She has five years experience of work in the credit union system. Also, Anara carried out supervision over the activities of credit unions, consultation on organization of the internal activities of credit unions, and participated in trainings on capacity building of the credit unions staff. One of the professional achievements is implementation of the project on public private partnership in the leasing of agricultural machinery and the establishment of service point stations. Since October 2011 she works as Head of the business development department in MFB Bai-Tushum and Partners Bank.
	KANATBEK SHAMSHIEV Finance manager Kanatbek Shamshiev graduated from the Faculty of Economy of the St. Petersburg State University, majoring in World economy. He has seven years of experience in banking sector. He worked in the Bank Supervision Department in the NBKR as inspector and head of the financial control in the Demir Kyrgyz International Bank. Kanatbek works as finance manager in Bai-Tushum and Partners Bank since June 2010. In the period from October 2010 to January 2012 he acted as the project coordinator for the implementation of new software in the Bank. Under his supervision, the FinnOne software of the Indian company Nucleus Software Exports Limited has been successfully implemented. Kanatbek Shamshiev works with lenders to attract resources, monitors the implementation of the budget and compliance with covenants, is responsible for planning and monitoring of cash flow and control of liquidity, is involved in the Committee on Asset and Liability Management, as well as coordinates the operations of the new software implementation. He attended courses on Banking supervision (USAID), Accounting in banks (Bank Training Centre of the National Bank of the Kyrgyz Republic) and IFRS (Ernst & Young Business Academy).