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Arman Ghazaryan is an experienced professional in credit risk management, currently serving as the Head of the Credit Risk Management Department at AMIO BANK since October 2024. Previously, Arman held the position of Credit Risk Manager at Evocabank from August 2023 to October 2024, and served as a Corporate Credit Analyst at AraratBank OJSC from September 2020 to August 2023. Arman's earlier roles include Deputy Head of Credit Risk Management Department at Ardshinbank CJSC and various positions at "ARMSWISSBANK" CJSC, including Head of Credit Risk Control Division and Lending Specialist. Arman holds a Master's degree in Mathematical Modeling in Economy and a Bachelor's degree in Economics, both from Yerevan State University.