Tijana Soja is a finance professional who holds a PhD in Economics (Economic Theory, Analysis, and Policy) from the University of Banja Luka. She is currently an Assistant Professor at the University of Travnik. Tijana has extensive experience as an economist, with expertise in credit analysis, advisory roles, portfolio management, financial and market risk, business planning, and analytical skills. She possesses strong experience in both central and commercial banking, specifically in areas such as credit analysis, portfolio management, financial investment, financial instruments, foreign reserves market, credit risk, and business advisory. Tijana has actively participated in numerous international seminars and workshops. Additionally, she has authored several scientific papers that have been published in esteemed international journals.