Zhozefina Hadzhieva

Zhozefina Hadzhieva is an experienced credit risk analyst specializing in financial institutions at Raiffeisen Bank International AG since January 2014. Previously, Zhozefina held multiple roles at UniCredit Bank Austria AG from March 2010 to December 2013, including CEE Strategic Analysis and Risk Manager for Financial Institutions and Sovereigns. Earlier experience includes participation in a graduate program at Siemens Enterprise Communications from 2007 to May 2009 and tutoring German as a foreign language at the Austrian National Union of Students in Linz from October 2002 to July 2004. Zhozefina also completed an internship at Raiffeisenbank in 2003. Zhozefina holds a Mag. in Business and Economics from Johannes Kepler Universität Linz and has pursued additional education at the State University — Higher School of Economics and the University of Groningen, along with studies at the CFA Institute.