Hayk Petrosyan Acting Executive Director


Born on 15.07.1973, Armenia

ECLOF UCO Operational Director since 2015, Acting Executive Director since 2016.

2014-2016 Ardshinbank CJSC Head of  SME department

2012-2014 Nairi-Insurance Insuring LLC Deputy Executive Director

2008-2012 Inecobank CJSC Arabkir branch manager

2006-2008 Inecobank CJSC Koryun Branch deputy manager, head of loan department

2002-2006 Inecobank CJSC loan specialist, later on general loan manager

Has extensive experience in finance banking sector.

In 1996 has graduated from Armenian Agricultural Academy.





Born on: 06.11.1980, Armenia

ECLOF UCO LLC Head of internal Audit since 2016

2015- For now  Renesa CJSC (Investment Company) - Head of internal Audit

2012-2015-  AMERIABANK CJSC- Chief specialist auditor

2008-2012- Converse Bank CJSC - Internal Audit member

2007-2008 - Converse Bank CJSC - 1st class specialist of loan group of Back Offi

2006-2007 - Converse Bank CJSC - 1st class auditor

2005-2006 - Converse Bank CJSC - Loan register specialist (Back Office)

In 1997-2002 has graduated from Armenian State Institute of Economics – faculty of Management, Department of Theoretical Economics



Karine Papujyan  Chief Accountant 


Born on 17.07.1976 

Since November 25th 2013 holds the position of ECLOF UCO LLC Chief Accountant

01.03.2010-25.11.2013 held the position of ECLOF UCO LLC Board Member

2002-2010 held the position of Chief Accountant at VTB-Armenia Bank Armenia Ejmiatsin Branch

26.10.2001-03.06.2002 worked as Economist at Haykhnaybank CJSC Ejmiatsin branch

15.10.2001-26.10.2001 worked as Senior agent at Haykhnaybank CJSC Ejmiatsin branch

09.07.1999-17.11.1999 worked as specialist at Credit-Yerevan Bank Ejmiatsin Branch

In 1999 graduated from Yerevan State University the department of Applied Mathematics with the Specialty of Mathematics



Stepan Torosyan

Risk Manager/ Deputy Executive Director



Born on: 13.09.1978, Armenia

ECLOF UCO Operational Director / Deputy CEO since 04.2017

07.2016-03.2017 ECLOF UCO Risk Manager/Deputy Executive Director 

05.2015թ – 03․2016 - FINCA Armenia- Product Manager

11.2013 - 05.2015- FINCA Armenia- Regional Manager

02.2012 - 05.2013- FINCA Armenia –Vanadzor  Branch Manager

03.2012 - 08.2012- FINCA Armenia- Ashtarak Branch Manager

10.2011 - 02.2012- FINCA Armenia- Aparan Branch Manager

12.2010 - 10.2011- FINCA Armenia- Talin Representative Office Manager


Operational Director/Deputy CEO