Manushak Mirzoyan

Analyse balance-sheet and financial-risk drivers to support forward-looking management decisions and financial resilience. Translate interest-rate, liquidity and other financial-risk metrics into concise management insight.

Managed capital and interest-rate analysis, including capital adequacy, IRRBB and forward-looking scenario assessment. Coordinated ICAAP analysis and reporting and contributed to capital and funding planning.

Developed and managed budgets and forecasts for international projects and analysed expected financial performance and key business drivers. Prepared managerial, financial and tax reporting for international operations.

Analysed banking-system performance, risks and international supervisory standards and assessed implications for the Armenian banking sector. Prepared analytical recommendations and supported international cooperation.

Prepared and reviewed IFRS financial statements, regulatory reports and interim financial statements, ensuring accurate and timely financial reporting. Produced management reports and coordinated the annual external-audit workflow.

Prepared financial statements, Group disclosures, management reports and analytical papers under Group requirements. Analysed financial performance and prepared reporting for ALCO and Risk Management Meetings.

Performed FATCA due diligence and reporting to the US IRS and Central Bank of Armenia, including data-quality and classification controls.

Analysed retail and wholesale loan portfolios, assessed borrower financial condition and prepared analytical reports. Monitored covenant compliance and portfolio risk indicators.

Supported borrower financial analysis, loan monitoring and portfolio reporting.

Conducted macroeconomic research, data collection and report development.

Passed CFA Level I in 2023.

Earned a BSc in Economics from Plekhanov Russian University of Economics.

Pursued an MSc in Finance at Russian-Armenian University.