Ovik Mkrtchyan – respected entrepreneur, projects innovator and corporate consultant

Ovik Mkrtchyan has been working as a corporate consultant for GOR INVESTMENT LTD for over 20 years. Known for his wide experience in the private business sector the core of his activities is in financial and economic management, banking, and transport forwarding. Mr. Mkrtchyan also deals with innovations in the fields of ecology and medicine. He often finances developments in pharmacy, virology, and environment protection. The businessman’s professional experience includes successful cases of managing companies and developing and implementing marketing strategies.

Ovik Mkrtchyan was awarded a diploma for the popularization of Armenian culture which emanated from his long time support and programs development in the preservation of the Armenian heritage.


From 2002 to the present, Ovik Mkrtchyan has been a corporate consultant in the GOR INVESTMENT LTD group of companies. As a corporate consultant, he is responsible for the actual management of the company, and the setting up of new companies belonging to the group. He is also in charge of developing and managing corporate, organizational, and technical documentation. Ovik Mkrtchyan frequently attends business meetings in Europe relating to financial and economic management and group accounting purposes for various companies. As part of management accounting, Ovik Mkrtchyan maintains reports for creditor banks and is engaged in strategic and operational analysis of the company’s performance.

2002 – OQ YO’L TRANS LLC. As a Deputy General Director, his duties included negotiating, monitoring the fulfillment of obligations under contracts, and determining the financial and economic policy of the company. In addition, under his leadership, sectoral regulatory documents were developed in the field of pricing of road transport.

1999 – 2001 – ASTA KOMPANIYASI LLC. Mr. Mkrtchyan’s role as Marketing Director involved negotiation management with clients and contractors. He also carried out an expert preliminary assessment of existing tariff rates and logistics and customs delivery of cargo.

1997 – 1999 – TESKOBROKSERVIS LLC. As Marketing Director his responsibilities included the development and implementation of the company’s marketing strategy, forecasting demand, and commercial results. Under his leadership, the marketing department developed sales promotion programs in the field of freight forwarding and customs clearance.

1993 – 1996 – NOVOROSSIYSK COMMERCIAL BANK (BATA). He was Deputy Chairman of the Board in charge of client portfolios and credit departments. Mr. Mkrtchyan oversaw the banking network of branches and was responsible for regional development. At the same time, his duties included conducting financial monitoring of the institution. He was engaged in legal management, marketing, advertising, and public relations.

In his position, Ovik Mkrtchyan expanded the institution’s product range by developing and implementing a number of new services for individuals and legal entities. With his active participation, important documents were worked out that regulated the structural management of the network of bank branches, and the standards for attracting and supporting retail customers were also expanded.

The businessman has a good educational base, he graduated from three higher educational institutions, having received qualifications in the fields of finance, economics and road transport.


As an expert, Ovik Mkrtchyan often speaks on essential topics such as the importance of introducing artificial intelligence technologies in the financial services sector. According to his expert opinion, AI is significantly improving the quality of bank credit scoring for loan applicants due to its high speed of analysis of large amounts of data and can bring tangible dividends to organizations, increase profits and succeed over competitors by providing next-generation financial services.

He believes the introduction of AI in the financial sector not only has a positive effect on the development of customer service but also significantly improves current business processes related to assessing credit risks, combating fraud, and demand forecasting.

The use of innovative scoring models based on machine learning algorithms is already very real and helping to reduce the default rate. They allow for the easier reduction of operating costs, including those associated with the processing of large amounts of data and customer security. This opens up new opportunities for companies by increasing their dividends, stimulates additional sales of banking products created using AI and reduces customer churn.

Business innovator

Business innovator Ovik Mkrtchyan feels that in a highly-competitive environment, the use of AI in the global banking system is predestined. Why? Because it’s one of the most effective ways to increase technical capabilities while at the same time generating revenue. In his opinion, ignoring the benefits of such an instrument in today’s expanding digital economy is, at the very least, short-sighted. We cannot stand still – we must embrace it and then run with it.

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