Miranda Kherkheulidze joined Gazelle Finance in April 2017 and serves as its Finance Director. She brings over 15 years’ of experience working in the banking and finance industries, including: SME and corporate banking, credit, risk and financial management, and corporate finance. At different times Miranda has held various leadership positions in two of the leading banks in Georgia -- Bank Republic Société Générale Group and TBC Bank.
Prior to joining Gazelle Finance Miranda worked as the Head of Corporate Underwriting Department in TBC Bank where she was responsible for overseeing the Bank’s corporate portfolio of over USD 1.0 billion managing risk assessment and the structuring of deals up to USD 50M, and served as a full voting member of the highest tier Credit Committee with individual decision-making authority of USD 4M. Prior to TBC Bank Miranda was leading the Counterparty Risk Assessment Department for corporate and SME clients at Bank Republic, Société Générale (SG) Group, Georgia. Along with being responsible for assessing the origination and creating a high-quality portfolio, she was in charge of portfolio-level risk assessment, validation and maintenance of the risk rating and provisioning processes, as well as daily communication and reporting responsibilities to Risk Supervision division at SG Headquarters. Miranda revised and implemented the Bank’s overall credit granting, portfolio classification, monitoring and rating policies, risk assessment methodology, criteria and procedures.
As a Bank Advisor at CGF (Credit Guarantee Fund) Miranda provided consulting to three leading partner banks in Georgia, mainly in SME underwriting standards, loan assessment and approval processes. CGF was an SME financing and development project funded by KFW Entwicklungsbank and Savings Banks Foundation for International Cooperation (Sparkassenstiftung) targeting the Georgian and Armenian markets. Miranda supervised optimal investment of the Fund’s resources to Georgian SMEs through partner-banks, as well as managed periodic monitoring of the Fund’s portfolio and the overall financial performance of partner-banks.
Miranda also brings corporate finance expertise to Gazelle Finance having worked as the CFO for two operating companies: Iberia Construction (residential real estate development) and Treiquest Int. Group (multi-discipline construction and engineering).
Miranda holds a B.A. in Production Management from Free University of Georgia, Diploma of Business Economist from Berufsakademie Mosbach (DHBW) of Baden-Württemberg, Germany and MBA with specialization in Finance from Grenoble Graduate School of Business (GGSB). A native Georgian speaker Miranda is fluent in English and has good command of Russian and German.