Zar Wardak is FINCA Impact Finance’s Vice President & Division Director, where she leads the network’s operations in Afghanistan, Armenia, Azerbaijan, Jordan, Kosovo and Tajikistan.
Prior to becoming Division Director, Zar served as Regional Director for the Middle East and South Asia Region. Under Zar’s leadership, FINCA’s operations in the MESA region expanded to cover two full-service microfinance institutions and one bank, each of which now has more than 25,000 clients. Zar previously served as CEO of FINCA Afghanistan. Under her leadership, the company was able to achieve sustainability within three years. She implemented profitable microfinance solutions designed for local conditions.
Prior to joining FINCA, Zar worked as a financial services industry consultant in Afghanistan and served as Regional Sales Integration Director for Citibank in Texas before that.
She holds a Bachelor of Arts in International Business from Southwestern College in Kansas and a Master of Science in Peace Operations from George Mason University in Fairfax, Virginia.
Florin Lila is FINCA Impact Finance’s Vice President and Regional Director for Eurasia, where he leads the network’s operations in Armenia, Azerbaijan, Georgia, Kosovo, Kyrgyzstan and Tajikistan. Florin joined the company in 2012, first as Deputy Regional Director for Eurasia and then as Chief Executive Officer of FINCA Kosovo before becoming Vice President and Regional Director in 2017. He brings a wealth of banking experience and a distinguished academic background. Prior to joining FIF, he had 13 years of experience in the banking sector including multiple roles at the Executive Management and Board of Directors level in Kosovo and in Ghana. Florin holds an MA degree in Economics for Business Analysis from Staffordshire University, United Kingdom.
Ararat Gyulumyan has 16 years of experience in finance and accounting. Currently Ararat is Assistant Controller at Cordiant Investment Management. He served as the Audit Manager at Baker Tilly, Ukraine, which is a Member firm of Baker Tilly International based in Kiev, Ukraine. From 2009 to 2015 Ararat was Chief Financial Officer at FINCA Russia. In his rich career as a finance professional, Ararat participated in the audit engagements of a number of banks and enterprises in Ukraine, Russia, Armenia, Georgia and Belarus. Ararat earned his Bachelor’s degree in Economics and Mathematical Modeling at Yerevan State University. He holds a Diploma of Higher Specialized Education (D.E.S.S.) in banking and financial techniques from Université Panthéon in Paris, France. He is also a graduate of American Bankers Association Stonier Graduate School of Banking. Ararat has been a Fellow Member of ACCA since March 2010, CPA British Columbia and CPA Quebec Member since April 2015 and January 2016, respectively.
Murad Muradyan started off his professional career in 1991 as a programmer in the IT department of RA Ministry of Economy.
Murad is currently the director of Harmony Information Technologies and Education Development Fund. Prior to that he held the positions of IT manager at Project Harmony American non-profit organization, head of IT general department at the RA Ministry of Finance, and director of ARENA Scientific Research Network Association.
Murad has remarkable experience in implementation of electronic governance projects and has successfully led the development and deployment of a number of complex, integrated, multi-scope IT systems. He has joined FINCA in August of 2019.
Murad holds a Bachelor’s degree in Computational science from State Engineering University of Armenia. He has completed his Master’s and Post-doctoral studies in the same University.
Richard Marney has a 45-year career in emerging markets banking, principal investing, economics, and asset management.
Richard holds the position of the Head of Risk Management at ResponsAbility Investments in Zurich, Switzerland. Before joining ResponsAbility Investments Richard worked as a Chief Market Strategist and Head Fund Manager at Developing World Markets and as the Head of Corporate Development, Product Management, and Market Research & Program Evaluation at Opportunity International.
Richard has lectured in the Department of Economics of the School of Oriental and African Studies (SOAS) of the University of London.
FINCA Armenia Management Team
Our management team brings vast experience, professional skills and expertise from various industry backgrounds.
Aram Ghazaryan was born on 29th of April, 1976. He has been serving as Chief Executive Officer and Management Board Chairman at FINCA UCO CJSC since 2021.
Aram has around 20 years of international experience within the financial services industry, covering wide aspects of the banking business, including general management, strategy, sales, risk (credit, operational, financial crime compliance, regulatory, reputational and conduct risk), operations, business analytics, restructuring and streamlining.
Aram spent 16 years working within the HSBC Group, holding various senior roles in sales and operations within corporate banking (Relationship Manager, Deputy Head of Corporate Banking and Head of Corporate Banking roles during 2002-2010 in HSBC Armenia and role of COO/Head of Business Management, Commercial & Global Banking during 2010-2018 in HSBC Poland). In his role of COO/ Head of Business Management in HSBC Poland, Aram’s area of responsibility for several business processes also covered HSBC’s other European markets, such as Czech Republic, Israel and Armenia.
Over the last 2 years, Aram was engaged in private investment initiatives in FinTech, agro and property sectors in Poland and Armenia.
At early stages of his career Aram has also been employed by Merrill Lynch and The World Bank Group in USA.
Aram holds an MBA degree in Finance from Old Dominion University, VA, USA and an MA degree in Economics from Armenia State University of Economics.
Vardan Haroyan was born on November 12, 1986. He has been serving as Chief Operating Officer at FINCA UCO CJCS since 2019.
Vardan has remarkable professional experience in banking, particularly in development and implementation of digital financial services, credits, sales and financial consultancy. Before joining FINCA, Vardan served as Head of the Department of Attracting International Financial Funds, Sales and CRM at Evocabank, and prior to that, held the position of Head of Sales and Customer Attraction Unit at Prometey Bank. Vardan started off his professional career in 2009 as a Financial Consultant at VTB-Armenia Bank. He later worked as a Market Research Methodologist, a Business Crediting Senior Analyst and a Senior Sales Manager at the same bank.
Vardan holds a Master’s degree in Entrepreneurship, Innovation and Management from The University of Nottingham, UK, a Master’s degree in Finances and a Bachelor’s degree in Economics from the Yerevan State University.
Anush Petrosyan was born on May 30, 1979. She has served as Chief Financial Officer at FINCA Armenia since 2016.
Anush has over 15 years of experience, of which more than 10 years include providing audit services. She joined FINCA in 2013 as Corporate Audit Manager. In her rich career Anush has worked at KPMG Armenia, growing to the position of Audit Manager, and at Grant Thornton Amyot LLC in the position of In-Charge Auditor. Anush also acquired valuable experience working at the US Embassy in Armenia as an Economics Specialist, as well as at the Central Bank of Armenia as a specialist in the Monetary Policy Department.
Anush holds an MBA in Banking, Finance, Real Estate and Accounting from the University of Kentucky, Lexington, USA and a BA Degree in Economics from Yerevan State University. In 2007 she became an ACCA member and in 2012 became an FCCA (Fellow Chartered Certified Accountant).
GENERAL COUNSEL, HEAD LEGAL OFFICER AND CORPORATE SECRETARY
Harutyun Chadryan was born on August 26, 1985. He has served as General Counsel and Head Legal Officer at FINCA Armenia since 2017. In 2018, in parallel to his main duties, Harutyun also assumed the role of the Corporate Secretary.
Harutyun has more than ten years’ experience in the legal field, seven of which were acquired in the financial and banking sphere. Before joining FINCA Armenia, Harutyun first held the position of Lawyer, then position of Chief Lawyer at “Panarmenian Bank” CJSC. Before that Harutyun acquired valuable experience in the legal field as a Leading Legal Adviser at “Areximbank – Gazprombank Group” CJSC, as a Lawyer at “Glendale Hills” CJSC, as a Lawyer and then as a Chief Lawyer at “Jakshin” LLC, as a Lawyer at “EMH Construction” CJSC, as a Lawyer and then as a Chief Lawyer at “International Development and Construction’ CJSC, as a Chief Lawyer at “Modern Buildings” LLC, as a Lawyer at 2AD CJSC and as a Lawyer at “AJ Const” LLC and “AG Development” CJSC.
Harutyun holds a Master’s Degree in Law from Yerevan State University. He also graduated from two-semester business law program of IIT, Chicago-Kent College of Law, School of American Law obtaining the Certificate of Completion.
In 2011, Harutyun received a license for practicing law and became a member of the Chamber of Advocates of the Republic of Armenia.
Harutyun has received a certificate from the Central Bank of Armenia, which qualifies him to work in the positions of Executive Director (Board Member), Deputy Executive Director (Deputy Board Member) and Member of the Management Team (Board).
Gagik Gevorgyan was born on January 26, 1985. He has been serving as Head of Corporate Audit Department at FINCA UCO CJSC since 2021.
Gagik has more than 15 years of work experience, of which more than 10 years have been in banking and finance.
Gagik joined FINCA in September 2017 as a Senior Specialist in the Internal Audit Department, in October 2020 he was promoted to Acting Head of Corporate Audit Department. Prior to joining FINCA, Gagik worked in the Methodology, Internal Audit and Internal Control Departments of Anelik Bank /now ID Bank/ for 6 years, earlier having worked in Eurowagen LLC.
Gagik holds a Master’s degree in Programming from the State Engineering University of Armenia /Polytechnic/ and a Bachelor’s degree in Economics from Yerevan State University.
He has participated in numerous seminars and qualification exams, and has received a license for holding the position of chairman of the audit committee of a credit organization and head or member of internal audit from the Central Bank of Armenia. He is a member of ISACA, the International Association of IT Audit, Security, Management and Risk Professionals since 2019.
FINCA Impact Finance Global Leadership
The FINCA Impact leadership team manages a global organization of more than 12,000 employees.
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