Tagylykova Jyldyz Kasymovna

Chairman of the Board of Directors

Jyldyz Tagylykova is the founder of LLC MFC “UFC,” now known as MFC “Universal Credit.” She has extensive experience in the banking sector, including work at KICB and Aiyl Bank. Additionally, she has experience working with international organizations, including more than two years at the UNDP.

As a Board Member of the Kyrgyz Agricultural Financial Corporation (KAFC), Jyldyz Tagylykova coordinated strategic planning and the implementation of institutional development initiatives for KAFC. During this period, she headed the KAFC lending department and was responsible for the performance of 10 corporation branches across the Republic. She also actively collaborated with the World Bank, the Asian Development Bank, the Parliament, and the Government of the Kyrgyz Republic.

Tazhibayeva Saltanat

Member of the Board of Directors

Saltanat Tazhibayeva has been a member of the Board of Directors of LLC MFC “UFC,” now known as MFC “Universal Credit,” since 2019. She is a certified auditor and a Certified Accounting Practitioner (CAP), with expertise in financial and tax accounting.

Since 2019, Saltanat has been a Board Member of the Public Association “Union of Accountants and Auditors,” and since 2022, a member of the Public Association “Chamber of Independent Directors.” From 2004 to 2019, she held positions as Financial and Executive Director at HLB Marka Audit.

Currently, Saltanat serves as the Director of the consulting company HLB Scope Kazakhstan, a full member of the international consulting network HLB International, which ranks among the top 10 firms in the Forum of Firms. She is also the founder and director of the consulting company “Ratio Master” in Kyrgyzstan, providing accounting and taxation services.

Keneshbek uulu Ulan

Member of the Board of Directors

Ulan Keneshbek uulu has over 20 years of experience in the microfinance sector. He graduated from Al-Farabi Kazakh National University in 1999 with a degree in Management. In 2001, he completed his Master’s degree in Banking at the Kyrgyz International University.

His career in microfinance began in 2000 when he started working at the Kyrgyz Agricultural Financial Corporation.

Ulan has been with “Universal Credit” since its founding in 2006, progressing from a loan officer to the company’s director. He holds numerous certificates from specialized courses in microfinance.

Currently, he is a member of the Board of Directors of MFC “Universal Credit” and has been awarded the honorary title of “Excellence in Microfinance” by the Association of Microfinance Organizations.

Since 2022, he has also been a member of the Board of Directors of the Association of Microfinance Organizations.

Baijumanova Anara

Director

From 2019 to 2023, Anara Baijumanova was a member of the Board of Directors of MFC “Universal Credit.” Since February 2023, she has been serving as the company’s Director.

She has over 15 years of experience in the banking sector and was a Board Member of Bai-Tushum Bank from 2011 to 2014. Anara is a certified financial literacy trainer and has experience in implementing and certifying banks according to customer protection standards—SMART.

An expert in small business development, she has 20 years of experience implementing projects with international organizations such as the German Society for International Cooperation (GIZ), the European Union Representation in the Kyrgyz Republic, the International Finance Corporation (IFC), the United States Agency for International Development (USAID), and others.

Currently, she is the Director of the consulting company “Spot On Consulting.”

Baitoroev Daniyar

Deputy Director

Daniyar Baitoroev joined the company’s team in 2024. Previously, he held a position on the Board of Directors of the Association of Microfinance Companies.

He has over 15 years of experience in microcredit, focusing on business development, investment attraction, and innovative product development. Daniyar is a certified financial literacy trainer and has obtained certification from MFR in social-environmental rating and client protection standards.

His professional background includes collaboration with international organizations such as the German Society for International Cooperation (GIZ), the International Finance Corporation (IFC), the OSCE, and others.

Gulmira Sardarbekova

Chief Accountant

Gulmira Samarbekovna Sardarbekova is an experienced accounting specialist with 27 years of experience in the banking system. She began her career at OJSC “Aiyl Bank,” gradually advancing from a specialist to the position of Chief Accountant.

Since 2023, she has been serving as the Chief Accountant at MFC “Universal Credit.”

Her professional achievements have been recognized with a Letter of Appreciation and an Honorary Diploma from the Union of Banks of Kyrgyzstan, a “Accounting – Level 1” certificate, an Honorary Diploma from OJSC “Aiyl Bank,” and several certificates from training centers.

Tanabayev Aybek

Credit Manager

Aybek Tanabayev has been working at MFC “Universal Credit” since 2009. He has over 25 years of experience in the microfinance sector. Since 2020, Aybek has held the position of Credit Manager, leading the lending process, as well as the development and implementation of new credit products. He also coordinated an IFC housing finance project aimed at improving household energy efficiency.

Aybek has received awards for his many years of dedicated service, professionalism, and active contribution to the development of the microfinance sector, including recognition from the Association of Microfinance Organizations.

Sidalieva Chinara

HR Manager

Chinara Sidalieva began her career in the credit sector at JSC MFC “Finca” and has over 20 years of experience in the banking and microfinance sectors. Since 2014, Chinara has held leadership positions. She has been with MFC “Universal Credit” since 2018, currently serving as the Head of Problem Loan Management and HR Manager.