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Job Vacancy – Risk Manager

Albanian Development Guarantee Foundation (ADGF)
Tirana | Full-time

The Risk Manager is responsible for leading and overseeing the overall risk management function of ADGF, ensuring that all risks related to operations are properly identified, assessed, monitored, and managed in line with internal policies, donor requirements, and best international practices. At the same time, responsible for the compliance function, ensuring compliance with regulators, donor or development partner requirements as well as internal operational framework. The role includes strategic oversight of overall risks, engagement with partner financial institutions (PFIs), and direct reporting to Board of Directors and Executive management.

Key Responsibilities
• Develop and continuously enhance methodologies for identifying, assessing, and managing risks across all ADGF activities;
• Ensure effective implementation of risk management policies and that all exposures remain within approved limits and risk appetite, as well as compliance with internal policies and applicable legal and regulatory requirements;
• Oversee credit guarantee risk and monitor the quality and performance of the guaranteed portfolio;
• Review and assess proposals related to portfolio guarantee limits, PFI exposure limits, and other risk-related thresholds;
• Regularly review loan classification based on MIS reports and ensure timely and adequate provisioning;
• Review and approve loan restructuring and claim requests, and follow up on recoveries in coordination with Portfolio Managers, ensuring pari-passu execution;
• Prepare and present risk and compliance reports and analysis for the Executive Director, Risk Management Committee, and Board of Directors;
• Analyse portfolio trends, including NPLs, claims, and recoveries, and provide risk-based recommendations to support decision-making;
• Provide risk input in major contracts, strategic initiatives, and new guarantee products or schemes;
• Conduct due diligence of partner banks and microfinance institutions, including development of internal rating methodologies and ongoing monitoring of their financial performance;
• Propose and implement improvements to risk management processes, procedures, and internal frameworks, including identification of gaps, investigation of non-compliance or irregularities, and ensuring proper documentation and follow-up.

Qualifications and Experience

• University degree in Finance, Economics, Risk Management, or related fields;
• Minimum 5–7 years of relevant experience in risk management within banking, financial institutions, or development finance;
• Strong understanding of enterprise risk management, including financial, operational, and portfolio risks;
• Strong analytical, decision-making, and leadership skills;
• Advanced Excel and reporting skills;
• Excellent communication skills in English.

What We Offer
• A professional and stable working environment;
• Exposure to financial institutions, international donors, and development finance activities;
• Opportunities for professional growth and development;
• Competitive compensation package, commensurate with experience and qualifications.

Interested candidates are invited to submit their CV to [email protected] by May 10th, 2026.

Job Vacancy – Risk Manager

April 27, 2026

ADGF and OTP Bank Albania sign cooperation agreement under the EU–KfW Guarantee Programme

April 21, 2026

Expanding financing opportunities for businesses: ADGF and Crimson Finance Fund Albania sign agreement under the EU–KfW Guarantee Programme

April 9, 2026

Workshop with Partner Banks on Updated Operational Procedures

February 24, 2026

EU-KfW Western Balkans Guarantee Launched to Strengthen MSMEs Access to Finance in Albania

January 22, 2026

Gertjana Drita

Executive Director

Gertjana joined ADGF at the beginning of 2020 and currently holds the position of Executive Director at the foundation.
She has more than 15 years of experience in the banking system, covering management positions in Human Resources Management and Small & Medium Enterprises Business Department.
Gertjana has graduated in Finance & Accounting at University of Tirana and has participated in many international development trainings programs.

Laureta Domi

Chief Guarantee Officer

Laureta joined ADGF at the beginning of 2022 and currently holds the position of Chief Guarantee Officer at the foundation.
She is an experienced Finance and Banking Senior Manager with 19 years in team building, leadership, sales force effectiveness, customer experience and portfolio management.
Laureta has a Bachelor’s degree and Master of Science degree in Management from the Faculty of Economy, University of Tirana, as well as a Master Degree in Finance and Banking from the Institute Universitaire Kort Bosch, in Switzerland besides many certificated courses and trainings. She also lectures as a visiting professor in Aleksandër Moisiu University.

Ermir Çoba

Agro & RE Portfolio Manager

Ermir joined ADGF in May 2022 and is responsible for managing the Agro and Energy Efficiency/ Renewable Energy guarantee portfolio.
He has about 15 years of experience in the banking and microfinance system, holding several positions, related to credit financial analysis, risk reporting and risk assessment.
Ermir graduated in Accounting at the University of Tirana and also holds several national and international certifications in the field of accounting, risk management, financial analysis, agriculture lending, etc.

Aurela Tomini

Portfolio Manager

Aurela joined ADGF in November 2025 as a Portfolio Manager.
She is an experienced banking professional with two decades in the financial industry, having held diverse roles in sales, risk management, and product development.
Aurela graduated from the Agricultural University of Tirana, earning her Bachelor’s degree in Agri-Business in 2005. Throughout her career, she has also completed numerous professional trainings that have further strengthened her expertise in banking operations, credit processes, and financial analysis.

Besiana Lika

Chief Financial Officer & Risk Manager

Besiana joined ADGF in 2016 and is responsible for the financial management and the risk aspects of the foundation. Also, she serves as the Secretary to the Board of Directors.
She has a background in finance, accounting, risk and business analytics.
Besiana earned a Bachelor degree in Finance & Accounting in 2012 and a Master of Science in Finance in 2014, in the Faculty of Economy at the University of Tirana. Since her graduation, she is also working as a part time lecturer at the Faculty of Economy.

Stelina Shefqeti

Finance & Administration Officer

Stelina joined ADGF in 2021 and is responsible for the financial and administrative activities of the foundation.
Stelina earned a Bachelor’s degree in Finance in 2020 and a Master of Science in Finance in 2022 from the Faculty of Economy, University of Tirana. In addition, she has pursued several professional courses and trainings focused on accounting, financial analysis and financial modeling.