Sandra Kilibarda is a banking and finance professional with more than 18 years of experience in commercial banking, specializing in credit risk management and retail lending. Throughout her career, she has held senior positions at OTP Bank and Piraeus Bank, leading teams and participating in major bank mergers and transformation projects. She has extensive expertise in credit approval process, portfolio analysis, operational efficiency improvements etc. She is currently serving as Director of the Loan and Guarantees Department at the Development Fund of the Republic of Serbia. Ms. Kilibarda graduated from the University of Belgrade Faculty of Economics with a degree in Finance, Banking and Insurance.