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Renat Humbatov has extensive experience in the banking sector, currently serving as a Member of the Management Board and Executive Director of Micro and Agro Clients at AccessBank Azerbaijan since April 2005. Renat's career progression at AccessBank includes roles such as Head of the Micro and Agro Clients Department, Regional Manager, and Branch Manager, as well as several positions focused on SME loan services. Prior to this banking career, Renat served as a Senior Lieutenant in military service from April 2003 to November 2004. Educational qualifications include a Master's degree in Economic and Management from Access Campus (2014-2016) and a Bachelor's degree in Economic and Management from Azerbaijan Technological University (1997-2001).