Hi, I'm Siddikjon
Driven banking expert specializing in retail banking with proven expertise at Ipotekabank.
Skilled in managing large loan portfolios, analyzing client transactions, and implementing effective strategies to reduce financial risk with international experience across Malaysia and Slovakia.
Banking Professional with Global Experience
Analytical skills, precision, and delivering results under pressure with international perspective.
My Journey
I'm a Loan Recovery Analyst at Ipoteka Bank (OTP Group), I bring strong expertise in performance reporting, portfolio analysis, and recovery strategy support. Skilled in preparing detailed reports, evaluating collection efficiency, and monitoring repossessed loans to enhance asset recovery. Adept at leveraging data-driven insights to strengthen decision-making and optimize collection processes.
My international educational experience across Malaysia and Slovakia has equipped me with a global perspective on financial systems and cross-cultural business practices. I'm passionate about leveraging data analytics and modern banking technologies to drive operational excellence.
Key Competencies
Expert in analyzing large datasets, creating performance dashboards, and identifying financial trends.
Studied and worked across multiple countries, bringing global perspective to local challenges.
Specialized in developing strategies to reduce financial risk and optimize collection processes.
Professional Career Journey
My progression in banking and financial services with measurable achievements.
Loan Recovery Analyst
Ipoteka Bank (OTP Group)
Tashkent, Uzbekistan
Preparing regular performance reports on the Retail Collection portfolio, analyzing inflow and recovery dynamics, and monitoring repossessed loans to enhance asset recovery.
- Prepared regular performance reports on the Retail Collection portfolio
- Analyzed inflow and recovery dynamics to support data-driven management decisions
- Monitored repossessed loans and evaluated collection efficiency
- Strengthened recovery strategies through detailed portfolio analysis
Specialist at Skip Tracing Department
Ipoteka Bank (OTP Group)
Tashkent, Uzbekistan
Specialized in resolving international financial disputes and optimizing legal collection processes with exceptional success rates.
- Resolved international financial disputes with 70% success rate
- Prepared documentation for legal collections, improving case processing efficiency by 30%
- Leveraged expertise in legal frameworks for dispute resolution
Junior Specialist at Soft Collection Department
TBC Bank
Tashkent, Uzbekistan
Managed client relationships and loan compliance for delinquent accounts while streamlining department workflows.
- Clarified loan agreements to delinquent clients, ensuring repayment compliance for over 100 cases
- Generated performance reports to streamline department workflows
- Maintained high client satisfaction while achieving collection targets
Financial Analyst (Part-time)
Brand Cinema LLC
Tashkent, Uzbekistan
Conducted comprehensive financial analysis to optimize company operations and support strategic decisions.
- Conducted financial analysis, identifying trends to optimize company operations
- Prepared detailed financial reports for management decision-making
- Contributed to strategic planning through data-driven insights
International Academic Excellence
My educational journey across three countries with outstanding academic achievements.
Bachelor's Degree in World Economy and International Economic Relations
Tashkent State University of Economics
Tashkent, Uzbekistan
Specialized in World Economy, Economics, Microeconomics, Macroeconomics, and International Economics.
- GPA: 89/100
- Dean's list for 2nd and 6th semesters
- Thesis: 'The Role of Regional Economic Integration in the World and Central Asia' (95/100)
International Student Exchange Program
Comenius University in Bratislava
Bratislava, Slovakia
Full scholarship exchange program focusing on International Economic Relations, Money and Banking, and International Marketing.
- GPA: 3.69/4.00
- Grantee of full scholarship
- Islamic Banking and Its Critical Challenges (25/25)
Bachelor Long-Term Exchange Programme
Universiti Malaya
Kuala Lumpur, Malaysia
Mobility Programme award recipient studying Communication Management, The US in World Politics, and Economic Development in Southeast Asia.
- GPA: 3.00/4.00
- Full tuition scholarship recipient (Mobility Programme award)
- Coursework: The Economic Impact of COVID in Southeast Asian Countries
Certifications & Training
IELTS
British Council
May 2023
Overall band score: 7.0
Graduate Record Examination (GRE)
ETS
Dec 2023
Quantitative Reasoning: 159, Verbal Reasoning: 138, Analytical Writing: 3.5
From Excel to Power BI
Coursera
Aug 2025 – Current
Training in using Excel and Power BI to collect, maintain, share, and collaborate on data for effective data-driven decision-making
AI Fundamentals in Financial Services
Saïd Business School, University of Oxford
Aug 2025
AI applications in fraud detection, credit scoring, customer service, and algorithmic trading with ethical considerations
ChatGPT for Beginners: Save time with Microsoft Excel
Coursera
Aug 2025
Learned to effectively standardize, extract, classify, and generate data by integrating Excel with ChatGPT
Fundamentals of Financial Analysis
Coursera
Aug 2025
Financial statements, key performance metrics, cash flow projections, and investment evaluation
Accounting: Principles of Financial Accounting
Coursera
Sep 2025
an online non-credit course authorized by IESE Business School and offered through Coursera
Accounting: Principles of Financial Accounting
Coursera
Sep 2025
an online non-credit course authorized by IESE Business School and offered through Coursera
Technical & Professional Skills
Comprehensive skill set spanning banking operations, data analysis, and international business.
Banking & Finance
Technical Skills
Languages
Soft Skills
Key Achievements
Let's Connect
Interested in banking expertise or international financial collaboration? Let's discuss opportunities.
Contact Information
Ready to discuss banking solutions, financial analysis, or international business opportunities.