Adel Kalimullina
Astana
Summary
Dynamic professional with experience at the Development Bank of Kazakhstan, excelling in financial analysis and credit risk assessments. Proven adaptability and analytical thinking, successfully enhancing internal scoring models. Strong problem-solving abilities complemented by a goal-oriented mindset, driving impactful results in high-pressure environments.
Overview
4
4
years of professional experience
1
1
Certification
Work History
Wait Staff
Coffee-Inn
Astana
05.2021 - 09.2025
- Delivered customer service in a high-volume environment
- Handled table management, cleanliness, and restocking duties
- Worked closely with team members to ensure smooth and efficient operations
Credit Risk Intern
Development Bank of Kazakhstan
Astana
01.2025 - 04.2025
- Conducted financial analysis of borrower financials, including ratio calculations (Debt/EBITDA, ROE, Quick Ratio).
- Participated in credit risk assessments and internal scoring model calibration (PD, LGD, EAD).
- Assisted in reviewing business plans and feasibility studies for infrastructure and industrial projects.
Hospitality Crew Member
Work & Travel USA Program
Egg Harbor City, New Jersey
05.2024 - 09.2024
- Worked in customer-facing roles, managing guest check-ins, bookings, and daily hospitality operations
- Maintained service quality under pressure and collaborated with an international team
- Strengthened cross-cultural communication and multitasking skills in a fast-paced environment
Education
BBA - Finance
Maqsut Narikbayev University
Astana 06-2025
Skills
- Data Analysis: Python (Pandas, Numpy, Scikit-Learn), R (basic statistical models), Excel (advanced)
- Data Visualization: PowerBI, Excel
- Team collaboration
- Goal-oriented mindset
- Analytical thinking
- Adaptability and flexibility
Bachelor's Thesis Research
Conducted survey-based statistical analysis using Python.
Used OLS and Logistic Regression to study impulse spending behavior.
Languages
Kazakh
First Language
Russian
Proficient (C2)
C2
English
Advanced (C1)
C1
Affiliations
Minor in Data Science, Maqsut Narikbayev University (Expected June 2025)
Completed online Data Analysis specialization on Coursera (2024)
Courses included: Data Visualization with Python, Applied Data Science Capstone, Machine Learning Basics
Astana International Forum 2023 Volunteer
Member, Case Club, MNU, 2023
League of Volunteers of Narxoz University (Under League of Volunteers Kazakhstan) 2021
Certification
- IELTS 7.5
Timeline
Credit Risk Intern
Development Bank of Kazakhstan
01.2025 - 04.2025
Hospitality Crew Member
Work & Travel USA Program
05.2024 - 09.2024
Wait Staff
Coffee-Inn
05.2021 - 09.2025
BBA - Finance
Maqsut Narikbayev University
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