Emil Aghjayev
@emilaghjayev
I build data-driven digital products that increase adoption, engagement, and revenue.
AzerbaijanWhat I'm looking for
I've led digital product growth across Central Bank of Azerbaijan, Kapital Bank, Azerlotereya, ABB Bank, Pasha Insurance, and the public sector. At the Central Bank of Azerbaijan, I expanded the Instant Payment System to achieve 25× monthly transaction growth and increased AZQR monthly QR turnover 19×.
I've launched B2B payments, BNPL, credit, loyalty, investment, insurance, and public-sector digital products. My work has improved retention, engagement, conversions, digital sales, and operational efficiency through customer insight, data, and product experimentation.
I use AI tools throughout the product lifecycle to accelerate research, analysis, automation, and prototyping.
Experience
Work history, roles, and key accomplishments
Product Manager
Central Bank of Azerbaijan
Sep 2025 - Present (11 months)
Drove Instant Payment System's expansion, achieving 25× growth in monthly transactions. Led rollout of B2B payments via IPS, resulting in 4× increase in B2B instant transactions.
Product Owner
Kapital Bank
Oct 2024 - Sep 2025 (11 months)
Led improvements to the Umico Credit Line, optimizing user experience and boosting customer engagement. Upgraded Cash Loan product using M10 framework and developed cardless BNPL solution on Trendyol.
Group Product Manager
Azerlotereya
Apr 2024 - Oct 2024 (6 months)
Led launch of 6 new online instant-win games and lottery products, driving 10% increase in active users. Integrated social-betting feature and implemented data-driven journey optimization.
Senior Product Manager
Innovation and Digital Development Agency
May 2023 - Apr 2024 (11 months)
Applied data-driven framework, raising efficiency 30% and cutting time-to-market 20%. Delivered 5 public-sector digital products, boosting citizen engagement 40%.
Senior Product Owner
ABB Bank
Oct 2020 - May 2023 (2 years 7 months)
Launched Loyalty System, improving retention by 30% and campaign conversions by 50%. Built gamification and referral features, boosting engagement by 20%.
Product Owner
Pasha Insurance
Feb 2019 - Oct 2020 (1 year 8 months)
Built new insurance app and digitized product flows, raising digital sales 25%. Streamlined underwriting and claims, improving efficiency 15%.
Education
Degrees, certifications, and relevant coursework
Azerbaijan State University of Economics
Master of Business Administration, Business Administration
2018 - 2020
Pursued an MBA degree from Azerbaijan State University of Economics from 2018 to 2020.
ADA University
Bachelor of Science, Information Technology
2013 - 2018
Earned a Bachelor of Science in Information Technology from ADA University from 2013 to 2018.
Availability
Location
AzerbaijanAuthorized to work in
Job categories
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