Lilit Gharayan is a managing partner at ADWISE Consulting, senior banking, and business consultant. She is a senior expert in banking and business advisory with 15+ years of diverse, progressive experience in international and multi-cultural environments. She is a growth-oriented professional with numerous successes in various fields and a thorough understanding of the issues and challenges in both financial institutions and enterprises. Lilit is known for her sound, practical management style centered on impact-driven models and strategies. She is a dynamic change agent skilled in repositioning organizations to achieve operational efficiency and enhanced financial excellence. Her areas of specialization include development finance, SME financing, green financing, financial management, risk management, internal audit, HR management and training, operational and organizational efficiency.