Subordinates: Call Center, Service Centres, Operations Deparment- Development, implementation, analysis, optimization/standardization and/or regulatory compliance of company’s business processes; - Development, implementation of procedures/policies and internal manuals in company for departments;- KPI implementation and analysis (call centre, service centre);- Staff training (cards and payments, operations and processes, procedures/policies);- Crisis Management and troubleshooting, issue investigation, analysis with responsible department(s); - Operational risk identification and mitigation due to implementation of various internal control mechanisms; - Monthly Monitoring of staff performance, analysis of corresponding reports and results, process/procedure violation s; - Tight and coordinated collaboration with IT Department for implementation/development of new products, internal software upgrades and optimization from scratch to testing phase and execution on real environment (smooth UX for operators and suitable staff), web and app updates; - Tight collaboration with AML and Card Risk Department for internal instruction implementation for representatives of customer support (call centre and service centre);

- Audit and evaluation of the company's operational activities; thus, recommendation for implantation of relevant changes;- Change request and implementation monitoring in compliance to the company's internal procedures;- Risk and internal control mechanism assessment for internal control system establishment and/or improvement;- Formation and development of specific reports, upon need;- Formation and participation in the development of company’s internal procedures, policies and instructions for departments- Close cooperation with the operational department in order to mitigate operational risks;- Staff user right and activities audit to ensure compliance internal procedures and policies, as well as with legal requirements;- Other additional audit activities determined by the director of the company;

Subordinates: Call Center, Service Centres, Operations Deparment- Development, implementation, analysis, optimization/standardization and/or regulatory compliance of company’s business processes; - Development, implementation of procedures/policies and internal manuals in company for departments;- KPI implementation and analysis (call centre, service centre);- Staff training (cards and payments, operations and processes, procedures/policies);- Crisis Management and troubleshooting, issue investigation, analysis with responsible department(s); - Operational risk identification and mitigation due to implementation of various internal control mechanisms; - Monthly Monitoring of staff performance, analysis of corresponding reports and results, process/procedure violation s; - Tight and coordinated collaboration with IT Department for implementation/development of new products, internal software upgrades and optimization from scratch to testing phase and execution on real environment (smooth UX for operators and suitable staff), web and app updates; - Tight collaboration with AML and Card Risk Department for internal instruction implementation for representatives of customer support (call centre and service centre);

- Banking Management and Financial Services - Financial Risk and Credit Risk Management

- Audit plan and conduction;- Regulatory, procedure/policy compliance audit;- Internal control assessment and improvement initiation; - identification and assessment of business risks; recommendation on mitigation the risks;

- Company risks identification and risk mitigation process development - Card and Payment Business Risk Management - Transaction Analysis - Operational Risk Management- Risk mitigation on basis of cooperation with AML officer- Operational process evaluation - Internal manuals, policies and procedures development - Audit of staff and process performance compliance with requirements of internal manuals, , policies Procedures and regulations- Operational process audit - Staff training (card and payment business, operational flow and troubleshooting)- Internal software testing during the implementation process- Communication with international partners / agents (project implementation part)

- Financial sector market research and analysis; reporting to the head of department - Retail product profitability calculation- Creating and / or working on development of new product guidelines / procedures, implementing changes in existing guidelines or product characteristics- Product development - initiating on implementation of new retail banking services / products; offering changes in existing products to ensure they meet market needs- Monitoring retail business portfolio on weekly basis (or on demand), as well as reporting portfolio quality, sales of various products including comparison vs budget, retail banking employees sales activity, overdue loans evaluation and analysis etc. (included into the report or otherwise) to the head of retail sales department - Staff training and testing session on regular basis: credit and partly operational products- Planning and defining the product sales policy partly with marketing department - Business process management referred to retail banking products- Project management / coordination referred to retail banking development - Project management referred to the joint mortgage projects with partner developer companies- Preparing presentations on retail products for partner and / or client companies- Delegating various tasks to retail department employees- Other tasks assigned by the head of department

- Risk assessment: analyzing risks as well as identifying, describing, estimating the risks affecting loan projects- Understanding and identifying potential causes of accidents and/or loss- Risk evaluation: comparing estimated risks with criteria defined by the bank- Evaluating the customers handling of risks and defining their 'risk appetite' - Summary providing for each loan projects analyzed - Providing proposals of preventive measures for selling risk - reduced loans / services- Monitoring completion of credit committee's decision - Providing recommendations referring new product implementation in the bank- Credit portfolio reporting and analysis

- Risk assessment: analyzing risks as well as identifying, describing, estimating the risks affecting loan projects- Understanding and identifying potential causes of accidents and/or loss- Risk evaluation: comparing estimated risks with criteria defined by the bank- Evaluating the customers handling of risks and defining their 'risk appetite' - Summary providing for each loan projects analyzed - Providing proposals of preventive measures for selling risk - reduced loans / services- Monitoring completion of credit committee's decision - Providing recommendations referring new product implementation in the bank- Credit portfolio reporting and analysis

Retail Business Development Department- Attracting potential customers as well as cross selling various producs and services- Evaluating customer solvency- Retail Loan Project analysis- Loan portfolio Control- Monitoring and minimizing overdue / problem loans- Other duties as assigned - New recruit / probationer training

Retail Business Development Department- Attracting potential customers as well as cross selling various producs and services- Evaluating customer solvency - Retail Loan Project analysis- Loan portfolio Control- Monitoring and minimizing overdue / problem loans- Other duties as assigned

- Planning, organizing annd managing tours in various countries- Representing the company on internal as well as external markets- Keeping contact with similar organizations outside Georgia- Creating product batches- Exploring the market and rival company offers- Analyzing tour profitability

Representing the German group of Controlling Department

State Budget Planning, System Improving Project Analysis

- Assisting loan expert on business and retail loan project analysis- Analyzing full spectrum of financial statements - Loan portfolio Control- Attracting new customers / potential clients- Monitoring overdue / problem loans

- Representing LSL Centre for Youth- Planning, managing, controlling LSL Centre Youth Sector activities- Establishing contacts with similar and/or donor organizations- Initiating, planning and organizing various charity events for orphanages