Olta Dhima
@oltadhima
Senior risk management professional with 15+ years in banking, credit, and compliance.
AlbaniaWhat I'm looking for
I am a senior risk management professional with over 15 years of experience in the banking sector, specializing in credit risk, compliance, ICAAP, capital adequacy and AML/CTF oversight. I have led cross-functional risk teams, produced regulatory reporting for central banks, and directly participated in credit decision-making for the majority of cases.
I drive process automation and forecasting initiatives, draft and implement risk and credit policies, and deliver actionable risk insights to senior management. My achievements include leading CAR submissions to regulators, developing stress-testing and forecasting models, and integrating AML/CTF compliance into daily risk operations.
Experience
Work history, roles, and key accomplishments
Head of Risk
MiA Finance SHA
Dec 2022 - Present (2 years 11 months)
Lead the Risk function, supervising Credit Risk, AML/CTF, Financial Planning & Reporting, Back Office of Credit, and Collections; personally involved in ~80% of credit decisions and drove automation and process improvements in risk reporting.
Specialist in Credit, Market, Liquidity and Operational Risk
Credins Bank Kosovo
Nov 2020 - Apr 2023 (2 years 5 months)
Prepared monthly regulatory reporting to the Central Bank of Kosovo and developed risk analysis methodologies and stress testing models to support compliance with supervisory requirements.
Credit Risk Analyst
Credins Bank
Apr 2017 - Apr 2023 (6 years)
Prepared monthly Capital Adequacy Ratio reports and internal forecasts, collaborated on ICAAP, and produced monthly credit portfolio and quarterly portfolio quality reports to inform capital planning and credit policy.
Risk Assessor
Credins Bank
Jan 2014 - Apr 2017 (3 years 3 months)
Exercised individual credit decision authority within limits, participated in credit committees, collaborated with branches to manage regional portfolio risk, and produced regular reports on approvals, rejections, and exposures.
Credit Analyst
Credins Bank
Oct 2009 - Jan 2014 (4 years 3 months)
Analyzed and developed the small business credit portfolio and prepared risk and credit reports to support management decision-making.
Store Manager
Euromax
Jan 2007 - Jan 2009 (2 years)
Managed daily store operations, staff scheduling, inventory and sales reporting, and implemented process improvements that increased efficiency and reduced costs.
Education
Degrees, certifications, and relevant coursework
University of Tirana, Faculty of Economics
University Diploma (equivalent to Master of Science in Business Administration), Business Administration
2003 - 2007
Completed a 4-year University Diploma in Business Administration, officially recognized as equivalent to a Master of Science in Business Administration under the Albanian higher education system.
Availability
Location
AlbaniaAuthorized to work in
Job categories
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