Senior Management

Mr. Mulaku graduated in Financial Business at the University of Prishtina. Mr. Mulaku has a long experience in the banking sector. From 2002 until 2003 he worked as a Trainer and Translator in the OSCE. In 2003, he began his career as a Credit Officer at ProCredit Bank, then in 2005 he was appointed as the Sub-Branch Coordinator at the same bank. From 2007 to 2009 he was appointed to the position of the Regional Corporate Manager. From 2009 to 2010, Mr. Mulaku joined ProCredit Holding in Germany as Credit Risk Specialist and was responsible for ProCredit in Albania, Bulgaria and Macedonia. Mr. Mulaku joined BKT Kosovo SH.A. in 2010, as Head of Corporate and SME, and in 2013 he was appointed to the position of Corporate and Business Banking Group Head at BKT Kosovo SH.A. In addition to the duties and responsibilities as Corporate and Business Banking Group Head, from 01.03.2022, Mr. Mulaku has been appointed as First Deputy Chief Executive Officer of BKT Kosova SH.A.

Mr. Skeja graduated in Bachelor and master’s degree in Finance and Accounting, continuing his doctoral degree in the same direction. Currently he is a PhD candidate at the State University of Tetova. He started his career as Head of the Office for Quality and Internal Control at the University of Prizren, being involved in the academic processes, as well. From 2012, he joined BKT Kosovo in the Internal Audit Department as Assistant Auditor, then continued as an Authorized Assistant Auditor. As of 2015, he was appointed as Assistant Manager at the Accounting and Financial Control Department. In 2016, he was appointed to the position of Acting Head of Department, while in the same year until 2018, Mr. Skeja was the Head of the Accounting and Financial Control Department. In 2018, Mr. Skeja was appointed to the position of Finance and Administration Group Head in BKT Kosovo SH.A. In addition to duties and responsibilities as Finance and Administration Group Head, from 01.03.2022, Mr. Skeja has been appointed as Second Deputy Chief Executive Officer at BKT Kosova Sh.A.

Mr. Xhafaj graduated in Management at the University of Istanbul and holds a master’s degree in European Economic Studies at the University of Tirana. Mr. Xhafaj has a long working experience in the banking sector as well as a 3-year experience in telecommunications. His professional career began in 2002 at the Internal Auditing Department of BKT Albania, in the position of Internal Assistant Auditor, where he was promoted in 2008 to the position of Deputy Director, which he held until 2012. During this time, he was also engaged in the position of Secretary of the Board of Directors of BKT Albania. From 2012 to 2015, Mr. Xhafaj was appointed to the position of Internal Audit Director at the telecommunications company Albtelecom Sh.a., where he also established the Internal Audit function in this company. In 2015, he was appointed Head of the Internal Audit Group of BKT Kosovo JSC. In addition to the various qualifications in the banking sector, Mr. Xhafaj owns the CIA Certified Internal Auditor (CIA).

Mr. Önder has a Master Degree in Business Administration and Bachelor Diploma in Mathematics Engineering. His experience in the banking sector began in 2009 in Aktif Bank at Treasury and Risk Management. He was promoted as Market Risk Manager in 2015 and then continuing as Chief Risk Officer at Aktif Bank. Starting from 1^st November 2021 Mr. Önder is part of BKT Kosova as Risk Management Group Head.

Mr. Aliu graduated in Economics and Statistics at the University of Rochester Institute of Technology (RIT Kosovo – AUK). He has a master’s degree in Banking, Finance and Accounting from the University of Pristina and continues his doctoral studies in the field of Economics. Mr. Aliu started his banking career at BKT Kosova in 2014, initially as a Credit Analyst, and then he was appointed to the position of Internal Auditor. In 2017, Mr. Aliu was appointed Head of the Internal Control Department. Furthermore, Mr. Aliu has been part of the managing team in the project for the transformation of the bank from a foreign branch to an independent entity in Kosovo, while he continues to manage the project for the transformation and re-engineering of the bank’s processes and operating models. In 2021, Mr. Aliu was appointed to the position of Group Head for Central Operations, Information Technology and Human Resources at BKT Kosova.

Mr. Inan has more than 7 years of executive banking experience, having led Treasury, Asset and Liability Management (ALM), Trading, Treasury Marketing Unit (TMU), Financial Institutions, Private Banking, and Retail Banking functions. He holds a Master’s degree in Financial Engineering and Risk Management and has completed the Transition to General Management executive education program at INSEAD.

In July 2018, Mr. Inan established the Financial Institutions Department at BKT Kosova. Later that year, he assumed leadership of the Treasury function, successfully reorganizing the department and becoming a member of the Bank’s Executive Management. In June 2020, he established the Private Banking Department under the Premier brand. Since April 2026, he has been leading the Retail Banking Group.

In the area of Private Banking, Mr. Inan led the launch of a dedicated Premier credit card for high-net-worth clients, further strengthening the Bank’s premium banking offering. Within the Financial Institutions function, he expanded the Bank’s international presence by establishing correspondent banking relationships with financial institutions in more than 20 countries, securing membership in BAFT, and contributing to the Bank’s receipt of more than ten prestigious awards from international financial publications for years.

In addition, he initiated the Bank’s sustainability agenda as a member of the Sustainability Committee, contributing to the integration of sustainable banking practices into the institution’s strategic priorities.

Beyond his executive responsibilities, Mr. Inan served for four years as Chairman of the Treasury Committee of the Kosovo Banking Association. During his tenure, he played a key role in addressing critical challenges facing the banking sector, particularly throughout and following the COVID-19 pandemic.

Mr. Ratkoceri graduated in Management and Informatics at Iliria College in Pristina. Mr. Ratkoceri has a long working experience. His career began in 2001 as Program Administrator and Financial Assistant at IOM (International Organization for Migration). From 2002 to 2004 he worked at Raiffeisen Bank Kosovo JSC in the Operations Supervisor, from 2004 to 2005 he worked as Loan Officer at ProCredit Bank, while from 2005 to 2007 Mr. Ratkoceri worked as Administrative and Finance Manager at Union Commerce in Pristina. From 2007 to 2009 he returned to the banking sector as ProCredit Bank’s Credit Risk Assessment Manager. In 2009, he joined BKT Kosovo as Manager of Department for Corporate Credit and Trade. In 2017, Mr. Ratkoceri was appointed to Risk Management Group Head, and in 2018 he was appointed to Loan Management and Legal Group Head in BKT Kosovo JSC.