Summary
Overview
Work History
Education
Skills
Professional experience
Conclusion
Timeline
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Ozoda Botirova

Ozoda Botirova

Reinsurance Underwriter
Tashkent

Summary

Motivated and globally oriented reinsurance professional with over 2 years of hands-on experience in both compulsory and facultative underwriting. Proven exposure to international training, industry conferences, and practical application of reinsurance principles.

Overview

3
3
years of professional experience
5
5
Languages

Work History

Reinsurance Underwriter

Kafolat Insurance Company JSC
09.2023 - Current
  • Manage facultative, treaty and MGA program reinsurance arrangements across key business lines
  • Analyze risk exposure, negotiate terms with international reinsurers, and structure reinsurance programs
  • Coordinate with brokers and regional partners for capacity placement and compliance with local regulations
  • Contributed to enhancing the reinsurance program’s efficiency and alignment with international best practices.

Credit Specialist

Davr Bank
10.2022 - 05.2023

Evaluating the creditworthiness of individuals or businesses applying for loans or credit. This involves analyzing financial statements, credit reports, and payment histories to decide whether to approve or decline credit applications and under what terms. The goal is to manage and minimize financial risk for the bank by setting credit limits, negotiating payment terms, and ensuring compliance with financial regulations. Reviewing credit and loan applications for completeness and accuracy.


Responsibilities:

Conducting risk assessments based on clients' financial histories.

Communicating credit decisions to clients or internal teams.

Monitoring accounts for delinquency and managing collections if needed.


Collaborating with other departments like sales and accounts receivable.

Maintaining accurate credit documentation and preparing reports on credit risk.

Recommending improvements to credit policies and procedures.

Education

Master of Science - International Marketing

Kimyo International University in Tashkent
Tashkent, Uzbekistan
04.2001 -

Skills

Reinsurance Program Structuring

Professional experience

  • Reinsurance Fundamentals Training — Turk Re, Istanbul, April 2024
  • In-depth technical training covering reinsurance contracts, pricing, treaty structures, and claims handling
  • Singapore International Reinsurance Conference (SIRC) — Singapore, November 2024

     Participated in Asia’s leading reinsurance forum; gained insights on global trends, digital transformation, and risk capital markets

  • Advanced Reinsurance Training — SCOR SE, Paris, May 2025
  • Advanced underwriting, capital management, and global risk pooling practices delivered by one of the world’s top reinsurers

Conclusion

With a background rooted in international insurance and an evolving career in reinsurance underwriting, I am driven to develop a broader strategic and leadership outlook. 

Timeline

Reinsurance Underwriter

Kafolat Insurance Company JSC
09.2023 - Current

Credit Specialist

Davr Bank
10.2022 - 05.2023

Master of Science - International Marketing

Kimyo International University in Tashkent
04.2001 -
Ozoda BotirovaReinsurance Underwriter