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Natiq Novruzov is an experienced professional in the banking and finance sector, currently serving as a Member of the Management Board and Chief Risk Officer at Rabitabank OJSC since April 2010, with previous roles including Deputy General Director and Director of Credit Analysis Department. Prior experience includes managerial positions at CredAgro NBCO and the Executive Credit Agency, focusing on loan management and non-performing loans. Natiq holds a mini MBA from Boğaziçi University, a Risk Management certificate from the Government of the Grand Duchy of Luxembourg, and advanced degrees in Accounting & Audit from Azerbaijan State Economic University.