Bahruz Jamalov

• Led cross-functional Scrum teams to deliver
high-impact digital banking projects, achieving a
30% improvement in project delivery timelines.
• Defined product delivery strategies, maintaining
a 90% on-time release rate and 95% customer
satisfaction post-launch.
• Conducted user and market research that led
to two major feature launches, capturing 85%
market share within six months.
• Spearheaded an API-based Fast Payment
integration, cutting transaction processing time
by 60%.
• Migrated card products (payments and loans)
into the core loan product framework and
introduced A2A (Account-to-Account) payments,
enhancing operational efficiency and product
scalability.- Developed a new mobile loan
journey and redesigned the internet banking loan

• Led 3 Scrum teams (32 members) to deliver a
portfolio of SME and corporate banking products.
• Successfully managed core banking system and
BPM migration projects, ensuring a smooth
transition with minimal business disruption.
• Introduced Tender Limits and Cash Cover
Guarantees with dramatically reduced approval
times.
• Designed and launched digital SME Factoring
Services, making financing more accessible and
reducing client dependence on traditional loans.
• Delivered API integrations with government
portals, speeding up client onboarding and
service activation.
• Implemented a new LG Scoring model, cutting
approval time to 60 minutes.
• Empowered clients with digital access to Credit
Lines, Overdrafts, and customized lending
products.
• Automated 90% of contract workflows with BPM
tools, reducing errors and manual work.

• 50 employees in direct submission, at head