Goritsa Grancharova-Kozhareva holds a Master's degree in Accounting and Control from the D. А. Tsenov Academy of Economics, Svishtov. Her career started in 1989 at DZI - Razlog, progressed through positions at TS Bank, Bulgargas and CIBank, and from 2012 to 2014 she was a Branch Manager at UniCredit Bulbank. In 2005 she was elected a member of the Court of Auditors of the Republic of Bulgaria. In 2015, she became its deputy chairman, and since January 2023 she has been acting as the chairman of the audit institution.

Goritsa Kozhareva has led audits of public funds, including funds from the European Union, has been Chair of the Professional Ethics Committee of the Court of Auditors, as well as Coordinator of Relations with the Board of Auditors for NATO. Kozhareva has also participated in numerous international initiatives and has been the Bulgarian representative in INTOSAI, EUROSAI and the Contact Committee with the European Court of Auditors.