Visorjan KOJA

Experience

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  Procredit Bank Albania

  Jul 2005 - Sept 2005

  Credit Analist

  As a Bank Loan Officer, I was responsible for assisting customers with loan applications for consumer loans, college tuition, and micro business. I provided information about the different types of loans and credit options that are available, as well as the terms of those services. I was also in charge of the loan process, which includes setting up payment plans and determining loan amounts. I worked closely with customers to determine their needs and recommend the best loan products to meet their financial goals. Additionally, I evaluated and verified loan applications to determine the client’s creditworthiness. Show less

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  Raiffeisen Bank Albania

  Sept 2005 - Dec 2020

  As a Branch Manager, I was responsible for identifying market potential in the business area the branch operated. My role involved strengthening relations with existing customers and creating successful relationships with new and potential customers, especially for the Premium, Micro & PI segments.I was focused on achieving set targets to maximize profit and optimize the profitability indicators of the Branch. I oversaw the operations of the branch, ensuring security, supply of materials, excellent customer service, human resources, administration, and sales.Adhering to high ethical standards, I ensured the proper application of Bank manuals, guidelines, procedures, and regulations in force. I maintained efficient communication in the exchange of information with line managers and staff.I ensured that our branch branding and appearance adhered to the required standards. As a team leader, I strived to create an effective and motivated team. I motivated, coached & developed the staff under my supervision in compliance with Bank standards and objectives.I was also rewarded with 'Best Branch Manager'. Show less As a Branch Manager, I was responsible for identifying market potential in the business area the branch operated. My role involved strengthening relations with existing customers and creating successful relationships with new and potential customers, especially for the Premium, Micro & PI segments.I was focused on achieving set targets to maximize profit and optimize the profitability indicators of the Branch. I oversaw the operations of the branch, ensuring security, supply of materials, excellent customer service, human resources, administration, and sales.Adhering to high ethical standards, I ensured the proper application of Bank manuals, guidelines, procedures, and regulations in force. I maintained efficient communication in the exchange of information with line managers and staff.I ensured that our branch branding and appearance adhered to the required standards. As a team leader, I strived to create an effective and motivated team. I motivated, coached & developed the staff under my supervision in compliance with Bank standards and objectives. Show less As a Branch Manager, I was responsible for identifying market potential in the business area the branch operated. My role involved strengthening relations with existing customers and creating successful relationships with new and potential customers, especially for the Premium, Micro & PI segments.I was focused on achieving set targets to maximize profit and optimize the profitability indicators of the Branch. I oversaw the operations of the branch, ensuring security, supply of materials, excellent customer service, human resources, administration, and sales.Adhering to high ethical standards, I ensured the proper application of Bank manuals, guidelines, procedures, and regulations in force. I maintained efficient communication in the exchange of information with line managers and staff.I ensured that our branch branding and appearance adhered to the required standards. As a team leader, I strived to create an effective and motivated team. I motivated, coached & developed the staff under my supervision in compliance with Bank standards and objectives. Show less As a Head of Operations, I was responsible for ensuring that our team provided top-notch and efficient service to our clients, in line with the bank’s priorities for digitization and other initiatives. I meticulously implemented all operational procedures related to my role and managed the flow of information about new products, services, and updated procedures to the staff.I took charge of monitoring daily transactions and performed routine checks to ensure smooth operations.One of my key roles was authorizing various transactions initiated by branch staff, ensuring they were in compliance with current procedures and regulations. I also identified training needs for Cashier and Customer Service staff, organized, and monitored their on-the-job training.In addition to these responsibilities, I was in charge of compliance and AML within the branch. I exercised extensive vigilance on suspicious transactions and supported staff in matters related to AML. This role required a high level of integrity, vigilance, and a strong commitment to upholding the bank’s standards and regulations. Show less

  • Regional Branch Manager

    Jul 2013 - Dec 2020

  • Branch Manager

    Oct 2008 - Jun 2013

  • Branch Manager

    Jan 2007 - Sept 2008

  • Head Of Operations

    Sept 2005 - Jan 2007
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  Raiffeisen Bank International AG

  Sept 2019 - now

  Product Manager

  Ideator of Scan&Go Application www.go-scan.com. Starting an idea from scratch venturing through market research, design, prototyping, testing and continuous iteration. Leading the launch and scalability phase after successfully completing the MVP (proof of concept).