Nona Ghazaryan

As a Credit Risk Management Team Leader, I specialize in developing and managing credit portfolios, closely monitoring their performance and assessing credit quality to meet organizational goals. I implement strategies to balance risk and return, always seeking innovative solutions and best practices. My focus on continuous improvement ensures adaptability to evolving market conditions, while my expertise in regulatory and IFRS 9 reporting ensures compliance and effective communication with stakeholders.

Responsibilities included crafting financial models to forecast company performance and determining their value through discounted cash flow analysis. Additionally, duties encompassed the preparation of reports and presentations for internal and external stakeholders. Extensive sector research was conducted to understand market dynamics and competitive landscapes. Furthermore, active participation in monitoring the performance of portfolio companies was integral to the role.

Ongoing quarterly production of Expected Credit Losses (ECL) in line with IFRS 9. Developing and maintaining ECL models, conducting ECL components analysis, preparing Loan Loss Allowances (LLA), and implementing Unexpected Loss (UL) calculations. Development and implementation of the Risk-Adjusted Return on Risk-Adjusted Capital (RARORAC) ratio to optimize business profitability.

Various aspects of actuarial techniques, including developing and analyzing projection models, coordinating with external actuaries and audit teams for interim and annual actuarial information, applying actuarial principles, and maintaining actuarial qualifications in compliance with regulations.

The position covered various parts of the valuation process: setting up financial instruments, understanding the valuation models, pricing, etc.