Eynulla Maharramov
Krakow
Summary
Risk management professional with over 5 years of experience across banking, insurance, oil & gas, and energy sectors. Expert in credit risk management, portfolio oversight, and regulatory compliance, with a proven record of managing multi-million-dollar exposures and optimizing credit strategies. Holds Bachelor’s and Master’s degrees in Finance, multiple ACCA certifications, is a GARP FRM candidate, and a member of ICTF (CGCE). Skilled in financial analysis, data analytics, and risk assessment, with a strong focus on team collaboration, problem-solving, and delivering measurable results in dynamic environments.
Overview
8
8
years of professional experience
1
1
Certification
Work History
Senior Credit Risk Analyst
ABB
01.2021 - Current
- Manage credit portfolio for mid and large-sized multinational clients in the US and Canada, overseeing thousands of accounts.
- Conduct credit risk assessments using financial statements, ratios, cash flows, and external ratings (S&P, Moody’s, Fitch, D&B, CRM, Group Echo), aligning with internal risk ratings to optimize credit limits and reduce potential losses.
- Monitor portfolio exposure, overdue accounts, and milestone payments with Account Managers, contributing to a 20% reduction in high-risk exposure.
- Approve or reject credit cases and mentor junior analysts, providing feedback and improving assessment accuracy across the team.
- Prepare top 100 exposure reports, portfolio trend analyses, and dashboards for senior management, supporting data-driven credit strategies.
- Secure and manage collateral, including bank guarantees, letters of credit, and insurance pledges, mitigating counterparty risk and strengthening portfolio resilience.
- Streamline credit processes and implement automation initiatives, reducing manual tasks by 50%, while collaborating cross-functionally with Sales, Legal, Accounts Receivable, and IT teams.
- Work mid-shift aligned with US and Canada markets, ensuring timely monitoring, reporting, and issue resolution across time zones.
Credit Risk Analyst
Shell
08.2022 - 12.2024
- Managed a credit portfolio of mid- and large-sized companies, performing credit risk assessments for new clients and monitoring existing ones in line with Shell’s risk framework, risk appetite, and compliance standards.
- Conducted detailed credit evaluations using financial ratios, cash flow analysis, and financial statement review, optimizing credit limits and reducing potential credit losses.
- Monitored portfolio risk and overdue accounts, identifying emerging exposures and contributing to a 15% improvement in overall credit utilization.
- Secured $500M in collateral, including bank guarantees and letters of credit, mitigating counterparty risk and enhancing portfolio resilience.
- Streamlined credit processes and strengthened internal controls by collaborating cross-functionally with Sales, Legal, Accounts Receivable, and IT teams, reducing process errors by 25%.
- Implemented process automation that reduced sales order approval time by 30%, accelerating revenue recognition and improving customer satisfaction.
- Developed and presented quarterly and yearly credit risk reports and portfolio trend analyses to senior management, enabling data-driven decisions and proactive credit strategy adjustments.
- Acted as Subject Matter Expert (SME), delivering training sessions and onboarding support for new joiners, enhancing team capabilities in credit risk management.
Anti-Money Laundering Associate
State Street
07.2021 - 08.2022
- Conducted transaction monitoring, PEP and sanctions screening, negative news checks, and suspicious activity investigations, ensuring early detection of potential fraud, bribery, and terrorist financing.
- Performed Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) reviews, leveraging platforms such as Banker's Almanac, Lexis Nexis, and World-Check to validate client information and mitigate reputational and regulatory risks.
- Identified and analyzed gaps in AML controls, collaborating with Business Unit AML Officers to strengthen frameworks for financial crime prevention and ensure compliance with evolving global regulations.
- Executed periodic reviews and ongoing monitoring of high-risk clients, enhancing the integrity of the firm’s financial crime compliance program.
- Completed the AML Academy and advanced regulatory training, maintaining 100% adherence to internal policies and external requirements.
- Consistently exceeded performance targets, delivering 20% above review goals while ensuring timely escalation of suspicious transactions and reducing potential risk exposure by 15%.
Credit Analyst
Nakhchivanbank OJSC
10.2018 - 10.2019
- Assessed credit risk and analyzed financial statements.
- Analyzed credit scores to determine borrowers' creditworthiness.
- Reviewed credit reports to comprehensively view borrowers' credit history and identify potential red flags.
- Ensured compliance with internal policies and regulatory requirements through diligent documentation of all credit decisions.
- Collaborated with other teams to identify and mitigate risks impacting organization.
Accounting and Finance Intern
State Insurance Commerce Company of the Azerbaijan Republic
02.2018 - 08.2018
- Contributed to cash flow management efforts by monitoring incoming payments and coordinating collections activities as needed.
- Streamlined invoice processing for improved payment timeliness, contributing to positive supplier relationships.
- Drafted financial reports to support comprehensive investigations.
- Developed and analyzed various budgets and performed financial statement analysis.
- Maintained confidentiality when handling sensitive financial information, adhering to ethical guidelines set forth by the company's policies.
Education
Master of Science - Finance
University of Economics And Human Sciences in Warsaw
Warsaw, Poland07-2021
Bachelor of Science - Finance
Azerbaijan State University of Economics
Baku, Azerbaijan07-2019
Skills
- Portfolio management
- Loan underwriting
- Data analytics
- Credit scoring
- Machine learning
- Stress testing
- Verbal and written communication
- Risk assessment
- Financial statement analysis
- Investment analysis
- Quantitative analysis
- Risk mitigation strategies
Certification
- Financial Accounting – ACCA
- Management Accounting – ACCA
- Business and Technology – ACCA
- Corporate Business and Law – ACCA
- Financial Reporting – ACCA
- International Credit and Trade Finance – Thunderbird School of Global Management
- Certified Global Credit Executive (CGCE) – ICTF (The Association of International Credit and Trade Finance Professionals)
- GARP FRM Part 1 Candidate – Global Association of Risk Professionals (GARP)
- Corporate Banking and Credit Analyst – CFI
Languages
English
Full Professional
Azerbaijani
Native or Bilingual
Turkish
Native or Bilingual
Timeline
Credit Risk Analyst
Shell
08.2022 - 12.2024
Anti-Money Laundering Associate
State Street
07.2021 - 08.2022
Senior Credit Risk Analyst
ABB
01.2021 - Current
Credit Analyst
Nakhchivanbank OJSC
10.2018 - 10.2019
Accounting and Finance Intern
State Insurance Commerce Company of the Azerbaijan Republic
02.2018 - 08.2018
Master of Science - Finance
University of Economics And Human Sciences in Warsaw
Bachelor of Science - Finance
Azerbaijan State University of Economics
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