Sophya Matshkalyan

Sophya Matshkalyan is an experienced banking professional currently serving as the Head of Retail Business at AMIO BANK since June 2022. Prior to this role, Sophya held various senior positions at CJSC VTB Bank (Armenia) from March 2011 to April 2022, including First Deputy of CEO, Deputy CEO, Head of Retail, Deputy Head of Retail, and Head of Product Development. Sophya's career in banking began at Converse Bank, where responsibilities included Head of Cards and leading specialist in the Cards division from January 2004 to March 2011. Sophya holds a Master's degree in Business/Corporate Communications from the Business School of Management at Saint Petersburg State University (2014-2015), a Master's degree in Business Administration and Management from the National Academy of Sciences (2008-2010), and a Bachelor's degree in Business/Managerial Economics from Yerevan State University (2000-2004).