Banks & Business Conference 2020

Kalin Hristov

Deputy Governor, Head of the Issue Department and Member of the Governing Council, Bulgarian National Bank

szKalin Hristov has been Deputy Governor, Head of the Issue Department and Member of the Governing Council, Bulgarian National Bank since October 23, 2009. Elected on July 29, 2015 by the 43rd National Assembly for a second 6-year term, as of 24 October 2015. Mr. Hristov was born in Pleven. He has a master's degree in macroeconomics, University of National and World Economy, Sofia. Author of numerous independent publications in the country and abroad in the field of macroeconomics, monetary policy, currency board, economic and monetary union and the introduction of the euro in Bulgaria, as well as co-author of articles and publications on economic and financial topics.

Nina Stoyanova

Deputy Governor, Head of the Banking Department and Member of the Governing Council, Bulgarian National Bank.

Nina Stoyanova is Deputy Governor, Head of the Banking Department and Member of the Governing Council, Bulgarian National Bank., elected on July 29, 2015 by the 43rd National Assembly for a 6-year term. in the period 2007-2015 she was a Chief Lawyer, Director of the Legal Directorate at the BNB. At that time he was also a member of the Legal Committee of the European System of Central Banks. In September-December 2006 he was a legal adviser at the European Central Bank in the Legal Services Directorate under a short-term employment program in the European System of Central Banks. In the period 2004-2015 she was a legal advisor on the board of the BNB Printing House, from 2001 to 2004 she was a member of the Board of Directors of the printing house. From 1994 to 1999 she was a legal adviser in the Directorate. Legal "of the central bank, and until 2006 - senior legal adviser.

Peter Andronov

Chairman of the Association of Banks in Bulgaria, Chairman of the Country Team of KBC Group for Bulgaria, Country Manager of KBC Group for Bulgaria, Chairman of the Management Board of UBB, CEO of UBB

Peter Andronov was appointed Executive Director of CIBANK in July 2007. In March 2008 hе became Chief Executive Officer (CEO) and since March 2011 he has been Country Manager of KBC Group for Bulgaria. Аfter the acquisition of UBB by the Belgian bancassurance group KBC Group, Peter Andronov was appointed Chief Executive Officer and Chairman of the Management Board of UBB. Since 2008 he has also been a member of the Management Board of the Association of Banks in Bulgaria and its representative in the Banking Supervision Committee at the European Banking Federation. Since May 2015 he has been apponted Chairman of the Executive Board of the Association of Banks in Bulgaria (ABB). Before his appointment in CIBANK, Mr. Andronov held a number of positions in the private banking sector and in the Bulgarian National Bank. From 2002 until May 2007 he headed the Banking Supervision Department at the BNB. From 2003 until May 2007 he was a member of the Management Board of the Reserve Guarantee Fund. Mr. Andronov is also a member of the BNB’s Investment Committee. During the period 2005 – 2007 he was an observer and member of the European Banking Committee (EBC) and the Committee of European Banking Supervisors (CEBS) at the European Commission. During the same period he was an observer and member of the Banking Supervision Committee (BSC) at the European Central Bank. Mr. Andronov has been involved in the elaboration of the currently effective legislation framework on bank supervision in Bulgaria, incl. the Credit Institutions’ Act, the Supplementary Supervision of Financial Conglomerates Act, the BNB’s supervisory ordinances, instructions etc. Peter Andronov has a Master’s degree in Finance and Banking from the University of National and World Economy in Sofia (UNWE). Since 1995 he has lectured on Introduction to Finance and Banking Regulation at the UNWE, at the Higher School of Insurance and Finance and at the New Bulgarian University /International Banking Institute. He is fluent in English, German and Russian.

Miroslav Vichev

Chief Executive Officer, BORICA

Miroslav Vichev  is a Chief Executive Officer of the payment and card operator BORICA. He has over 30 years of experience in the field of information technology for the banking sector. Before joining the company, he held a number of leadership positions - Head of "Applied Systems" at the Bulgarian Postbank, Director "Management Consulting and IT" at Deloitte & Touche, Head of "Consulting Department" at Microsoft Bulgaria, IT Director at HVB Bank Biochim, CEO of DSK Bank. He was also a member of the Supervisory Board of the "DSK Rodina" pension company, member of the Board of Directors of the "Cash Service Company AD" and a member of the Board of Directors of OTP Bank (Russia), Deputy CEO of "Information technologies and Operations" of OTP Bank (Hungary). In 2021 Mr. Vichev has been awarded as "Manager of the year" in the most prestigious business contest in the country. He is a former graduate of the Technical University of Sofia.

Petia Dimitrova

Chief Executive Officer and Chairperson of the Management Board

Mrs. Petia Dimitrova is Chief Executive Officer and Chairperson of the Management Board of Postbank (under the legal name Eurobank Bulgaria AD). She joined the team of Postbank in 2003 as Country CFO for the eight affiliated companies of Eurobank EFG Group in Bulgaria. In 2005 was appointed Procurator of the Bank. In 2007 she was appointed Executive Director and Member of the MB of DZI Bank. After the legal merger of DZI Bank and Postbank she became Executive Director and Member of MB of the unified bank. In 2012, Mrs. Dimitrova became Chief Executive Officer and Chairperson of the Management Board of Postbank.
Under her leadership, Postbank completed in just a few years two successful deals, the acquisition and integration in a record short-term time of Alfa Bank - Bulgaria Branch, followed by Piraeus Bank Bulgaria. They are another step to strengthen its position as a systemic for the bank market and to expand its customer base.
Mrs. Dimitrova began her career in 1996 at the Consular Department of the US Embassy. Then, in 1998-2003, she worked at PricewaterhouseCoopers as Senior Manager and Senior Auditor.
She is a chartered accountant, qualified ACCA member of the Association of Chartered Certified Accountants (ACCA) in London, UK. Mrs. Dimitrova has an Executive MBA in General Management from the University of Sheffield, UK and holds two Master Degrees in Finance and Banking and Tourism from the University of National and World Economy and Sofia University St. Kliment Ohridski. In addition, she is a graduate of ALBA Leadership Development Program, Harvard; holds a Certificate of Merit from Georgetown University Leadership Seminar, Washington D.C. and graduated Management and Social Development of NGOs at the Aristotle University of Thessaloniki and University of Macedonia, Greece. She also holds certificates for successful completion of the program "Harvard Business School - YPO Presidents' Program" in 2018, 2019 and 2020.
Mrs. Dimitrova has acquired her professional qualifications in UK, Greece, Holland, Belgium, USA and Bulgaria, and has participated in various prestigious international trainings, seminars and conferences.
Mrs. Dimitrova is a Member of the Management Boards of the Association of Banks in Bulgaria, "Atanas Bourov" Foundation, "Borica" AD, Endeavor Bulgaria Association, the International Banking Institute. She also is a Deputy Chairman of the Board of Directors of Hellenic Business Council in Bulgaria, Associate member of the Management Board of CEIBG and Member of the University Council of the American University in Bulgaria. Petia Dimitrova is a Member of the National Council of Global Compact Local Network Bulgaria, Industrial Advisory Board - CITY College, International Faculty of the University of Sheffield, Young Presidents’ Organization (YPO), Young Global Leaders Forum, part of the World Economic Forum, Gerson Lehrman Group Accounting Council London, UK, Fellow Member of the Chartered Management Institute, UK and Cofounder of the Public Council of Women in Business.
Mrs. Dimitrova has received many awards, including the prestigious recognition "Mrs. Economy" in "Mr. and Mrs. Economy" competition organized by CEIBG and Economy Magazine (2018, 2015); award by "Atanas Bourov" Foundation for Banking and Financial Management (2017); the Special "Banker of the Year" Awards by Banker weekly in 2020, 2019, 2017, 2015 and 2012; "Woman of the Year" in Business category by Grazia magazine (2014); two Silver Stevie Awards – "Female Executive of the Year in Europe, the Middle East and Africa" and "Female Executive of the Year – Consumer Services with up to 2,500 employees" (2013); "Banker of the Year 2012" by Banker weekly; "Mrs. Economy 2012" for her contribution to the development of the banking sector; one of the Young Global Leaders honorees for 2012, distinguished by the Forum of Young Global Leaders part of the World Economic Forum; International Faculty Distinguished Alumni Award from The University of Sheffield (2011); Businesswoman of the Year (2010); the Grand prize in the Bulgarian annual contest for young managers "Next generation" (2009) by Capital weekly; and many others.
Under her leadership Postbank won nearly 100 prestigious international and Bulgarian awards, including gold in "Excellence in Customer Centricity or Customer experience" category in one of Europe's most prestigious competition in the banking sector – The Retail Banking: Europe 2019 Awards. Also "The Best Retail Banking in Bulgaria" award in 2018, 2019 and 2020, "Best Consumer Digital Banks, Bulgaria 2020" award and "Best Mobile Banking Apps, Bulgaria 2020" award from the London-based World Finance Magazine, "Bank of the Year" 2019 at the Annual Bank Awards, Best Employer Awards, and many more.

Tamas Hak-Kovacs

Chairman of the Management Board and Chief Executive Officer of DSK Bank

Mr. Tamas Hak-Kovacs is Chairman of the Management Board and Chief Executive Officer of DSK Bank, since November 2020.
Previously, since 2012, he has been Chairman of the Management Board and CEO of JSC OTP Bank, the Ukrainian subsidiary of OTP. Before that Mr. Hak-Kovacs worked as Chairman and CEO of the Commerzbank subsidiary in Hungary (2000-2007). From 2007 he led the Commerzbank subsidiary in Moscow and from 2010 headed a division of Central and Eastern Europe (CEE) Commerzbank.
Mr. Tamas Hak-Kovacs graduated from the Budapest University of Economic Sciences, MA in Finance and Accounting. He also studied at the University of Saarland, Saarbrücken, Germany, at the University of Vienna, Austria and at the International Institute for Management Development, Lausanne, Switzerland. Since 2004 he holds the Chartered Financial Analyst® designation.  

Christo Iliev

CEO and Executive Chairman of AG Capital

Christo Iliev is CEO and Executive Chairman of AG Capital – a leading real estate investment group of companies including Lion’s Head, BLD, Park Lane Developments, Atland and 3Р1.
Mr. Iliev has over 25 years of experience in real estate. His companies have established strategic partnerships with international industry leaders such as Apollo Global Management, Old Mutual, Cushman & Wakefield, EBRD, IFC, CLS Holdings and Luxury Portfolio International.
Christo Iliev is a Board Member at Endeavor Bulgaria, Founder and Member of Family Business Network Bulgaria and Honorary Consul of the Republic of Mauritius in Bulgaria. He is also a member of Bulgarian Business Leaders Forum, Young Presidents' Organization, and Harvard Club Bulgaria.
He has a Master’s degree in Economics and PhD in Economics and Management in Real Estate as well as OPM from Harvard Business School.

Goran Angelov

Founder and CEO, IBS Bulgaria

Goran Angelov is the founder and manager of IBS Bulgaria (IBS), one of the leading IT companies in the country with a focus on the financial industry, analytics solutions and system integration. IBS is currently implementing key projects in leading banks related to digital transformation, PSD2 regulation, infrastructure modernization and information asset management. Goran Angelov has an engineering degree in production automation. He has more than 20 years of experience in the field of information and communication technologies and participation in a number of successfully implemented large-scale IT projects for business and the public sector.

Dobromir Dobrev

Deputy Chairman of the Management Board and Executive Director of Raiffeisenbank

Dobromir Dobrev is Deputy CEO and Executive director of Raiffeisenbank (Bulgaria), responsible for the Corporate banking and Capital markets.
He has been a member of Raiffeisenbank’s Management board since February 2013. 
Dobrev joined the Raiffeisen Group in 2003, and in 2005 was appointed Head of the Corporate Banking department – middle market. Between 2006 and 2013 he was a CEO and а Managing Director of Raiffeisen Leasing Bulgaria.
Dobromir Dobrev has a Master’s degree from the Faculty of Economics and Business Administration of the Sofia University. He speaks English, German and Russian. Dobrev specialized management and business strategies in Austria, Great Britain, Germany, France.

Tsvetomir Doskov

CEO, Sirma BC

Tsvetomir Doskov has over 20 years of professional experience in financial services, banks and IT companies. He is currently the CEO of Sirma Business Consulting (SirmaBC) and is a member of the Board of Directors of Sirma Group Holding. He has made a significant contribution to making SirmaBC a well-recognized provider of software solutions for the banking industry, as well as consultancy and expertise provider on the Bulgarian market. Over the past few years, he has focused on designing, developing and deploying digital solutions for business users and end-users. He holds two Master Degrees as well as numerous professional licenses and certificates in the field of project management and business analysis.

Ilian Stoianov

Director of Risk Management, PwC

Ilian Stoianov leads the Risk Assurance (RAS) Team in Bulgaria. As Head of the RAS Team he focuses on services related to: information security, risk assessment and analysis of Information systems, IT project management, Internal Audit, Data Privacy, Cybersecurity, Digital identity, process optimization and data analytics. Ilian manages the process of business application delivery, and the effective implementation of projects in digital identity, cybersecurity, BCP/DR plan implementation, penetration testing, vulnerability assessments, data warehouse evaluations and optimizations. He supervises financial services client projects related to Information Security, IT control setup and review, process optimization, GDPR preparation.
He has extensive experience working on projects in Austria, Bulgaria, Czech Republic, Japan and the United Arab Emirates. Ilian has an MBA degree from the International University of Japan (IUJ) specialized in Finance and IT. 

Daniel Alexiev

Deputy Director of Payment Services at BORICA AD

Filip Genov

Co-founder and Managing Director, F27

25+ years in banking, innovations and technology, Founder & MD of Sophia Lab, the leading digital transformation and acceleration think tank in Southeast Europe
Founder & MD of the first banking & FinTech VC operation in the Southeast Europe
Founder and Chairman of the Advisory Board of the FinTech and InsureTech Summit, the biggest industrial forum in the Southeast Europe
Member of the Vienna Initiative, CEE&lead expert on financial instruments for innovative and fast growing companies
Co-Founder of the Strategic Center for Artificial Intelligence for Southeast Europe, based in Sofia
Served on the Executive Committee of the Factors Chain International and Strategy and R&D aide to the Executive Committee of CEDEC
Created and managed three 500+ million euro financial businesses
MBA from NYU Stern School of Business, the London School of Economics and Political Science and HEC Paris

Kalin Radev

CEO and founder of Software Group

Kalin Radev is the CEO of Software Group, a global technology company specialized in digitalization and integration solutions for institutions that provide financial services. He brings 25+ years of professional experience in IT, 20+ of which in banking, financial inclusion, and microfinance. Kalin has extensive international experience leading strategic projects in Europe, Africa, Asia Pacific and Latin America. His expertise has been crucial for carrying out more than 100 projects around the globe, focused on developing IT strategies and designing solutions that drive digital transformation and enhance efficiency. Kalin is Chairman of the Indian-Bulgarian Business Chamber and co-Chairman of Endeavor Bulgaria’s Board of Directors.

About Software Group:
Software Group is a global technology company specialized in digitalization and integration solutions for institutions that provide financial services. Founded in 2009 and headquartered in Sofia, Bulgaria, it currently serves a worldwide client base from 9 regional offices located in Australia, Bulgaria, Egypt, Ghana, India, Kenya, Mexico, the Philippines and the USA. Some of Software Group’s customers are organizations such as Bill & Melinda Gates Foundation, MasterCard & MasterCard Foundation, International Finance Corporation (IFC), World Bank, Asia Development Bank, 7 of the 10 biggest Microfinance networks, Asia Confederation of Credit Unions (ACCU), Allianz Bank Bulgaria, Atlantic Bank, Bank South Pacific, Commercial International Bank Egypt, and others.