Jordan Kjosevski (PHd.) is an economist and banking professional with extensive experience in the financial sector. He holds a PhD in Economics from Ss. Cyril and Methodius University in Skopje and a Master’s degree in Insurance from the Faculty of Tourism and Hospitality, Ohrid. Over the years, he has worked in leading banks and financial institutions in North Macedonia, including Stopanska Banka, Silk Road Bank, and Kapital Banka, where he currently serves as a Manager. His professional expertise spans banking operations, corporate finance, credit analysis, market research, and project development. Dr. Kjosevski is also an active researcher, with numerous publications in domestic and international journals indexed in Scopus and Web of Science, focusing on banking, insurance, public debt, and economic growth in Central and Eastern Europe. He has co-authored several influential studies and has been awarded for his research on insurance and non-performing loans by national supervisory authorities. In addition, he has contributed to projects on risk management strategies and national development monitoring frameworks. Fluent in Macedonian, English, and Serbo-Croatian, and proficient in econometric software (EViews, Stata, SPSS), he combines academic rigor with practical financial expertise.