Zarnigor Khudoeva

Process foreign currency exchange transactions while ensuring compliance with AML and KYC regulations. Deliver exceptional customer service by identifying customer needs and recommending suitable financial services. Maintain accurate transaction records and support daily cash reconciliation.

Sales Consultant - ChangeGroup / Prosegur Change - London, United Kingdom

(2025-06)

• Process foreign currency exchange transactions while ensuring compliance with AML and KYC regulations.
• Deliver exceptional customer service by identifying customer needs and recommending suitable financial services.
• Maintain accurate transaction records and support daily cash reconciliation.
• Promote company products and services to achieve individual and team sales targets.
• Ensure compliance with internal policies and regulatory requirements.
• Collaborate with colleagues to improve operational efficiency and customer satisfaction.

Customer Advisor - Boots UK - London, United Kingdom

(2023-08 - 2025-06)

• Delivered excellent customer service by assisting customers with product selection and resolving enquiries.
• Processed transactions accurately while maintaining high standards of cash handling.
• Promoted promotional campaigns and loyalty programmes to increase sales performance.
• Maintained merchandising standards and inventory accuracy.
• Worked collaboratively within a fast-paced retail environment to achieve team objectives.

Credit Analysis Manager - Ziraat Bank T.C. - Tashkent, Uzbekistan

(2019-06 - 2021-04)

• Conducted financial analysis and credit assessments for corporate lending applications.
• Evaluated the creditworthiness of more than 15 corporate organisations using specialised banking systems.
• Reviewed over 100 commercial credit applications while ensuring compliance with internal credit policies.
• Monitored client financial performance and recommended appropriate risk mitigation strategies.
• Supported profitability through effective credit risk analysis and financial forecasting.

Corporate Department Specialist - Kapital Bank JSCB - Tashkent, Uzbekistan

(2022-07 - 2022-12)

• Managed relationships with corporate banking clients.
• Advised businesses on commercial loans, payment services, and trade finance solutions.
• Collaborated with internal departments to develop tailored financial products.
• Increased client engagement through personalised financial solutions and relationship management.
• Supported strategic initiatives that enhanced corporate banking services.

Foreign Economic Activity (FEA) Manager - Ipoteka-Bank JSCMB - Tashkent, Uzbekistan

(2022-08 - 2023-05)

• Coordinated international banking transactions and foreign trade operations.
• Managed import/export financing and cross-border payment activities.
• Ensured compliance with international banking regulations.
• Reduced foreign exchange risks through effective currency management.
• Maintained relationships with international banking partners.

Credit Underwriter - Ipoteka-Bank JSCMB - Tashkent, Uzbekistan

(2017-03 - 2019-06)

• Analysed financial statements and assessed business creditworthiness.
• Approved credit applications in accordance with lending policies and risk appetite.
• Conducted ongoing client reviews to ensure regulatory compliance.
• Improved credit processing efficiency through CRM and risk management systems.
• Trained junior underwriters on credit assessment procedures.

Diploma - Business and Financial Management - Northumbria University (2024)

Bachelor's Degree - Banking System - Financial Institute, Tashkent (2015)