Governance

Born on 08.03.1973.

Graduate of George Mason University (USA) with a degree in Business Administration, specialized in Accounting. From 1995-2010 worked in transnational companies as auditor and consultant up to senior project manager and director, including PricewaterhouseCoopers LLP, IBM Business Consulting Services, Bankworld Incorporated and Emerging Markets Group (formerly part of Deloitte). From 2008-2010 was a member of the Board of Directors of “Ararat Bank” CJSC, from 2010-2020 — member of the Board of Directors of “Moscow City Bank”. Since 2022 — Chairman of the Board of “Credit Concept” UCC CJSC.

Born on 20.05.1971.

Graduate of Yerevan State Institute of National Economy with a degree in Economics. In 1995 graduated from the American University of Armenia with a Master's degree in Political Science and International Affairs. Worked for more than twenty years in international organizations operating in Armenia as program manager. Currently Financial and Operations Director at “Pernod Ricard Armenia” CJSC. From 2020-2022 was Chairman of the Board of “Credit Concept” UCC CJSC, since 2022 — Board Member.

Born on 25.02.1958.

Started his career in 1976 in the United Kingdom. Currently mainly in insurance... professional manager. Since 2022 — Financial and Operational Director at International Business Initiatives Corp (USAID contractor — Yerevan, Armenia). Since 2024 — Board Member of “Credit Concept” UCC CJSC.

Born on 25.08.1975.

Graduate of the Armenian State University of Economics with a degree in Economics, specialized in Finance and Accounting. Started his career in 1995. Currently a professional manager with experience in financial management and leadership in international and local business initiatives. Since 2022 — Financial and Operational Director at International Business Initiatives Corp (USAID contractor — Yerevan, Armenia). Since 2024 — Board Member of “Credit Concept” UCC CJSC.

Born on 27.10.1963.

Graduate of Varna University (Bulgaria) Faculty of Engineering with an engineering qualification. In 2000 graduated from Oxford University Business School (UK) with an MBA degree. Since 2016 — CEO-Partner at IntelCap GmbH (Switzerland). Since 2024 — Board Member of “Credit Concept” UCC CJSC.

Born on 10.05.1973.

In 1997 graduated from the State Engineering University of Armenia with a Master's degree in Information Technology. In 2001 graduated from the Geneva Institute of International Relations (Switzerland) with a Master's degree in International Development Policy and Practice. From 2010-2012 was team leader of the Water-to-Market program implemented by ACDI/VOCA in cooperation with the Millennium Challenge Corporation. From 2011-2017 worked at TELASCO COMMUNICATIONS LLC (New York). From 2017-2018 was program director of ACDI/VOCA international company in the Kyrgyz Republic. From 2018-2023 was program director of HELVETAS Swiss Intercooperation international company in the Republic of Moldova. From 2023-2024 was representative and program manager of SWISSCONTACT international company in North Macedonia. Since 2025 — Board Member of “Credit Concept” UCC CJSC.