SITDIKOVA Alsu

Date of Birth 31 August 1989

Nationality Russian

Contact Email: asitdikova@gmail.com

details Mobile: +7 916 812 01 56

PROFESSIONAL EXPERIENCE
2011 - current Russian Agricultural Bank Russia
One of the Russia's largest banks (top-10). Assets - US$55.4bln, number of employees – 31,000
Executive director, promoted 3 times in 6 years
Problem loans department
 Determine appropriate recovery strategy (debt restructuring, liquidation, debt recovery, contract of
assignment or others) in order to minimize losses on Bank’s P&L and provisions.
 Analyze financial statement and expected cash flow of corporate clients (debt US$16m or more) and
explore whether it is viable to restructure the credit, including possibly by providing additional finance, in
order to improve the borrower’s financial position
 Assist Relationship manager in portfolio management, analytical data and debt workout
 Explore the quality of collateral in order to determine possible inflows from collateral recovery,
enforcement of guarantees and collection or possible discount that may be used in contract of
assignment
 Prepare reports/memos about debt restructuring/workout or collection and other opportunities with data
modelling and risk analytics
 Create or correct future cash flow prepared by consultant /client in order to assess the capability of
generating durable margins and cash flows
 Coordinate with other departments before submitting to the Loan committee
 Monthly update and maintain client files
 Implement corporate and financial monitoring for entire credit portfolio (more than US$150m in 2018Y
corporate clients including holdings), including determining the adequacy of provisions and reserves
 Manage work with problem loans in regional divisions (currently work with 5 divisions) and coordinate
their work
 Was awarded “The best employee of the year in Department” of 2012
2010 - 2011 Bank VTB Russia
Specialist
Corporate banking
 Conducted financial analysis, trend and ratio analysis on different industries and markets in Russia
 Analyzed financial information, such as statements, management accounts and cash flow statements to
determine creditworthiness
 Prepared reports that included the degree of risk involved in extending credit or lending money
 Assessed financial position of the current borrowers on early stages in order to minimize their credit risks
 Gathered background data from all departments and submitted to Loan committee

EDUCATION
2006 - 2011 Financial University under the Government of the Russian Federation Russia
Certified Specialist in Accounting, Analysis and Audit, Diploma with honors

LANGUAGES Russian (Native), English (Fluent)

OTHER EXPERIENCE
2010 VTB Bank, Financial analyst (Internship – 1 month) Russia
 Perform financial analysis
2009 Student council of Financial University, Non-Profit Organization, Project leader Russia
 Was looking for sponsors to organize events for more than 100 students
 Created “academy of success” where invited CFOs of corporations who told us their secrets of success

PERSONAL INTERESTS
 Traveling: adore travelling to Asia countries, learn Korean language
 Dancing: Cuban salsa

PERSONAL QUALITIES
 Responsible, reliable and strongly committed to the task. Strong analytical skills. Quick learner. Open-minded.
Good Interpersonal and communication skills. Good team player and able to work individually.