Experience

• 

  First investment bank bulgaria

  Oct 2003 - Jun 2007

  Obtaining the license for FIRST INVESTMENT BANK ALBANIA PLC.; Transfer of all the business, assets and liabilities from the existing at that time foreign branch to the new established bank, the first case for the Albanian market, done successfully. building the bank’s infrastructure, establishing the departments, hiring staff Financial analysis of the potential borrowers, approval up to limits set by the Management board, preparation of attitudes to the authorized bodies of the bank for final approval or rejection of credit exposures exceeding my limit.Management of the cards issued. Financial analysis of the potential borrowers, approval up to limits set by the Management board, preparation of attitudes to the authorized bodies of the bank for final approval or rejection of credit exposures exceeding my limit.

  • Deputy General Manager of First Investment Bank, Tirana Branch

    Jan 2005 - Jun 2007

  • Senior specialist Analysis and approval of credit cards

    Aug 2004 - Jan 2005

  • Retail loan specialist

    Oct 2003 - Aug 2004
• 

  First investment bank albania sh.a.

  Jun 2007 - Jan 2009

  Executive director

  • Management of FIRST INVESTMENT BANK ALBANIA PLC in compliance with the strategic goals adopted by the management board: under the branch’s reconstruction, hiring and training the staff) and the market share; Development of the core bank information-accounting system; development of the business technologies(Information technologies and communications particularly )and communications ; • I managed the following major projects:establishment and development of bank information system and data migration from the old one, leasing for corporate and individual clients that comprised terms and conditions – interest rates, tenures, bonuses, taxes, insurances, commissions, bank scoring model for risk assessment, accounting methodology and its implementation to the core bank system, standard contracts, procedures for enforced execution, internal manuals and instructions for the whole product; • Credit cards implementation Show less

• 

  Alpha bank, branch bulgaria

  Jan 2009 - Feb 2016

  Business Process Reengineering(Business Process Change Management) of Loan Administration Department Together with the Head of Department, we organized the department and the business processes by settleing down the sections, positions, the legal framework of the department, the rights and obligations of the employees, their functions and relations within and out of the department. We created a strong team of professionals to meet a number of challenging projects done- loan portfolio re-pricing, loan administration centralization.

  • HEAD OF LOAN ADMINISTRATION DEPARTMENT

    Feb 2011 - Feb 2016

  • DEPUTY HEAD OF LOAN ADMINISTRATION DEPARTMENT

    Jan 2009 - Feb 2011
• 

  Tbi bank bulgaria

  Mar 2016 - Apr 2019

  Head of sme collection and leasing department

  In this role, I built, trained, and managed a recovery team for the bank's corporate receivables. I conducted onsite visits to review collateral and negotiate with clients on aggravated exposures. I managed and maintained contacts with external lawyers, appraisers, real estate agencies, PEIs, and receivers in relation to optimal recovery activity. I negotiated with clients to reach business recovery (restructuring) agreements.Some key achievements in this role include:• Built and managed a system of monitoring the state of the Bank's overdue portfolio in order to identify risks and adopt business strategies for recovery. Show less

• 

  Self-employed

  Apr 2019 - Sept 2019

  Manager
• 

  Aps bulgaria

  Sept 2019 - Sept 2021

  As regional manager for Bulgaria, I conceptualised and led business development initiatives for the Bulgarian market. I actively sought out and offered investors portfolios of receivables (regular and/or impaired), real estate, or entire companies with similar assets. I also developed and implemented strategies to increase the market share of investments in real estate portfolios and (non) performing loans. Moreover, I defined the bank's strategy and objectives, and coordinated the efforts of employees to achieve these goals. Some key achievements in this role include:• Promoted and developed a sustainable business environment and collegial relations within and outside the organisation. Show less In this role, I managed two business lines of the organisation with the respective portfolio investments: recovery of corporate receivables and receivables from individuals. I developed and implemented return strategies by types of portfolios purchased. I also managed enforcement processes, asset acquisition, sales processes, bankruptcies, and negotiations with debtors. Some key achievements in this role include:• Significantly improved the business through analysis of market development trends by type of customers, locations, and assets. Show less In this role, I analysed and developed recovery strategies when preparing bids for the acquisition of portfolios of corporate bank exposures (secured and unsecured). I conducted budgeting, modelling, and collection strategies for corporate portfolios served and acquired by the organisation. I prepared offers and analysed the acquisition of corporate banking portfolios of secured and/or unsecured exposures, real estate, or their subsidiaries. Some key achievements in this role include:• Successfully negotiated with debtors to reach agreements for business recovery (restructuring). Show less

  • Regional Manager for Bulgaria

    Jul 2020 - Sept 2021

  • Head of Department, Recovery of Corporate and Individual Receivables

    Jan 2020 - Jul 2020

  • Head of Corporate Debt Collection Department

    Sept 2019 - Jan 2020
• 

  Investbank bulgaria

  Sept 2021 - now

  In this role, I oversee and manage the financial results, budget implementation, digital transformation, and reengineering of business processes in the card business, IT, and Digital Services departments. I spearhead renewal of technological processes and infrastructure, and manage communications to effectively relay the transformation strategy, progress and benefits to stakeholders. I also identify challenges, develop solutions, and adapt strategies to address changing business needs and customer experience. Some key achievements in this role include:• Named CEO of the Year in 2024.• Recognised as a Leader in Digital Transformation in 2023. Show less

  • Executive Director/ Chairman of the Board

    Sept 2021 - now

  • Chairman Of The Board Of Directors

    Sept 2021 - now