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Yulduz Mazhitova is a Senior Lecturer in Accounting and Finance at ÔÂÎèÖ±²¥ and a Fellow of Advance HE. She leads the Econometrics module and teaches across accounting, finance and quantitative methods. In Econometrics, she uses R and real datasets to help students estimate models, interpret empirical evidence and apply quantitative methods to financial and economic questions.

Before entering higher education, Yulduz worked in retail banking and at a start-up bank, focusing on lending and credit risk analysis. This experience continues to shape her teaching and research, bringing together financial decision-making, empirical analysis and the management of risk.

Yulduz is undertaking a part-time PhD in FinTech. Her research examines the impact of the Terra–LUNA collapse on collateral management in Aave, with particular attention to investor behaviour, collateral composition and liquidation risk during periods of severe market stress.

Alongside her teaching and research, Yulduz contributes to curriculum and assessment development, moderation and dissertation supervision. She has supported colleagues and graduate teaching assistants across undergraduate, postgraduate and international provision. Her wider work includes the design and coordination of finance-focused international learning opportunities for students.

Responsible Business and Social Justice, ÔÂÎèÖ±²¥

• • Mazhitova, Y. (2018) ‘Eye on: Expensive Cities and House Prices’, Trade Finance Global, 19 July. Professional article available at:

Yulduz’s research sits at the intersection of financial risk, market behaviour and decentralised finance. She is particularly interested in how investors and lending protocols respond to market stress, how collateral and liquidation mechanisms transmit risk, and what financial crises reveal about the design and resilience of decentralised markets.

Her doctoral research is titled The Impact of the Terra–LUNA Collapse on Collateral Management Practices in Aave: Evidence from 2022.

Her research interests include:

• Decentralised finance and blockchain-based markets
• Collateral management and liquidation risk
• Investor behaviour during periods of market stress
• Lending and financial risk management
• Financial stability in technology-led markets
• Applied econometrics and financial data analysis

• Econometrics and applied quantitative methods
• Management accounting and financial accounting
• Corporate finance and international finance
• Liquidity, lending and risk management
• Strategic and financial decision-making
• Financial regulation, ethics and the digital business environment

• PhD Candidate in FinTech (ongoing)
• MSc International Banking and Finance (Distinction)
• BA (Hons) Business Management and Finance (First-Class Honours)

• Accounting and Finance BSc (Hons)
• Finance and Investment BSc (Hons)
• International Business and Finance MSc

• University Finalist, Three Minute Thesis Competition, ÔÂÎèÖ±²¥ (2026)
• Nominee, Student Choice Teaching Award, Faculty of Business and Law, ÔÂÎèÖ±²¥ (2024)
• Leicester Castle Business School Prize for Best Performance on the MSc International Banking and Finance, ÔÂÎèÖ±²¥ (2020)
• Full Postgraduate International Scholarship, ÔÂÎèÖ±²¥ (2019)
• Bloomberg Prize for Best Performance in Investments and Portfolio Management, ÔÂÎèÖ±²¥ (2019)
• Runner-up, Accelerate Scholarship, Trade Finance Global (2018)
• Article 26 Scholarship, ÔÂÎèÖ±²¥ (2016)

• Fellow of Advance HE (FHEA)

• Chainalysis Cryptocurrency Fundamentals Certification (CCFC), Chainalysis
• CISI Level 3 Award for Introduction to Investment, Chartered Institute for Securities & Investment

Yulduz’s academic leadership spans module design, transnational delivery and academic quality assurance. As Module Leader for Econometrics and other ÔÂÎèÖ±²¥ modules delivered internationally, she develops the learning resources and assessments used across the corresponding UK and partner delivery at Niels Brock Business College in Denmark, ÔÂÎèÖ±²¥ Kazakhstan and ÔÂÎèÖ±²¥ Dubai. She retains oversight of academic standards through internal moderation of assessment and marking across these locations.

She also undertakes moderation for modules delivered through ÔÂÎèÖ±²¥’s partnership with Asia Pacific University of Technology & Innovation in Malaysia. Her wider leadership includes supporting colleagues and graduate teaching assistants with module organisation, assessment, marking and feedback, alongside undergraduate and postgraduate dissertation supervision.

Yulduz secured ÔÂÎèÖ±²¥ Global funding and originated a finance-focused study programme in Frankfurt. She developed the proposal, academic rationale, itinerary and external relationships, connecting students with the Frankfurt School of Finance & Management and the European Central Bank.

Colleagues delivered the programme again in 2026 using the structure and institutional contacts she had established. This enabled the initiative to continue beyond its original delivery and provided students with further opportunities to examine international finance, banking and monetary institutions outside the classroom.