Rozhan Othman

Banking leader with 15+ years at Cihan Bank across branch operations, collections, quality control and business continuity. Strengths include CBI compliance, internal controls, credit recovery and performance reporting, backed by Power BI, Excel and advanced finance qualifications.

Postgraduate & Professional Studies (full-time) - Erbil

(2024)

• Completed the MBA in Accounting & Finance Management (IBAS, Switzerland); continuing CPA research.

Manager, Follow-up & Collection Department - Cihan Bank - Erbil

(2022 - 2023-12)

• Led follow-up and collection teams, analyzing performance and recovery results
• Evaluated delinquent and non-performing accounts; set remedial actions aligned with bank policy, Central Bank of Iraq regulations and law
• Improved team productivity and collection success through targeted measures

Manager, Quality Control & Institutional Development Department - Cihan Bank - Erbil

(2020 - 2022)

• Established banking quality standards and procedures aligned with ISO 9001
• Analyzed process deviations and quality data; recommended corrective actions to senior management
• Used customer survey results and staff reviews to improve service quality and operational efficiency

Business Continuity Manager - Cihan Bank - Erbil

(2018 - 2020)

• Developed continuity and recovery plans, assessed business risks and impact, partnered with IT on data protection, and tested response plans

Assistant Manager, MasterCard Department - Cihan Bank - Erbil

(2016 - 2018)

• Managed MasterCard operations, reporting, budgets, staff development and customer issue resolution

Assistant Branch Manager - Cihan Bank - Erbil

(2010 - 2016)

• Oversaw branch operations, staff, customer transactions, regulatory compliance and performance reporting

Bank Officer - Cihan Bank - Erbil

(2008-08 - 2010)

• Processed account openings, customer transactions, salary payments and account reporting

Certified Public Accountant (CPA) Program – Research Stage - Higher Institute of Certified Public Accountants, Erbil

MBA - Accounting & Finance Management (Global Pathway, blended learning) - International Business Academy of Switzerland (IBAS), Zurich – legalized by the Embassy of the Republic of Iraq, Bern (2025) (2022 - 2024)

Professional MBA Program - Financial Management (online, 1 year) - European International University (2024 - 2024)

Professional MBA Program (online, 1 year) - American International Theism University (2023 - 2023)

B.Sc. - Accounting & Finance - College of Administration & Economics, Lebanese French University, Erbil (2017 - 2021)

IAB Level 3 Diploma - Accounting & Advanced Bookkeeping (UK, Ofqual-regulated) - British Institute for Accounting and Management (BIAM), Erbil (2016 - 2016)

Bachelor's Degree - Biology – College of Education - Salahaddin University, Erbil (2003 - 2007)