Armalda Reci

Armalda Reci (PhD) has extensive experience in the banking sector, currently serving as the Head of Individual Credit Risk at CREDINS BANK since March 2007, and previously holding positions as Retail Credit Manager and Loan Officer. In addition to banking, Armalda has academic experience as a part-time assistant professor at both the Faculty of Economy at Tirana University and UFO University in 2010. Armalda obtained a PhD from Universiteti i Tiranes in 2021, focusing on the impact of microcredit in the rural areas of the Shkodra region, and holds two master's degrees in MSEE, one from the University of Tirana (2010) and the other from Tirana University (2006).