Credit Concept - Management

“Credit Concept” UCO CJSC is managed by experienced professionals. The operations of the Company's various divisions are organized in accordance with the legislation of the Republic of Armenia and the “Credit Concept” value system. The Company's leadership ensures smooth operations and effective management.

Karen Rafiki Petrosyan

Chief Executive Officer

Karen Rafiki Petrosyan

A graduate of the Yerevan State Institute of National Economy with a degree in Economics.

In 2016, graduated from the American Bankers Association’s Stonier Graduate School of Banking.

Has over 22 years of experience in the financial system of the Republic of Armenia. Founded “Credit Concept” UCO CJSC in 2020 and serves as the Company’s Co-Founder and Chief Executive Officer.

Alisa Zaveni Sargsyan

Chief Accountant

Alisa Zaveni Sargsyan

Born on 12.05.1982.

Born on 12.05.1982. A graduate of the Armenian State University of Economics, specializing in Securities Market Analysis and Management.

. In 2011, graduated from the International Center for Accounting Education Foundation with a qualification in Accounting and Auditing. An ACCA student since 2019

Has over 10 years of experience in the financial sector of the Republic of Armenia, serving as an accountant and chief accountant.

Has been the Chief Accountant of “Credit Concept” UCO CJSC since 2020

Mehri Aharoni Ghazaryan

Internal Auditor

Mehri Ghazaryan

Born on 15.05.1989.

Born on 15.05.1989. A graduate of the Armenian State University of Economics with a Master's degree in Mathematical Methods and Operations Research in Economics.

Has over 12 years of experience in the financial system, responsible for risk management and analytics.

Has been the Internal Auditor of “Credit Concept” UCO CJSC since 2022.