Chief Risk Officer (CRO) and Board Member

• May 2023 - Present

• Selecting data services and vendors for Credit Risk Management • Define the Credit Policy • Manage the Credit Risk Models Lifecycle - Development, Validation, Implementation, Monitoring • Responsible for the Credit Policy Rules implementation at an automated decision engine and monitoring of the outcomes • Selecting data services and vendors for Credit Risk Management • Define the Credit Policy • Manage the Credit Risk Models Lifecycle - Development, Validation, Implementation, Monitoring • Responsible for the Credit Policy Rules implementation at an automated decision engine and monitoring of the outcomes

Board Member

• May 2023 - Present

Director Credit Risk and Data Science

• Mar 2022 - Present

• Managing Credit Risk and Data Science Team• Responsible for credit risk models lifecycle management - development, validation, optimal cut-off setting, implementation, monitoring• Responsible for Machine Learning Models management best practices and implementation• Improved the early collection KPIs by 20%• Improved the discriminatory power of credit risk scoring models for new clients by an average of 43% in terms of Gini Coefficient• Improved 12-month delinquency rate by 33%• Improved(lowered) impairments coverage ratio by 25%• Responsible for IFRS 9 Impairments Policies Methodologies, Calculations and Implementation• Optimized and proactively managed the optimal profitability approval threshold for all the businesses in the company• Implemented behavioral scoring models for maximizing results in collections, credit card reactivation after delinquency and repayment, credit limit increase, propensity to accept credit limit increase • Developed and implemented an automated Credit Risk and Business monitoring system through dashboards Show less

Director Strategic Analysis and Automated Solutions

• Jul 2021 - Mar 2022

• Managing two data science teams responsible for the core online lending businesses of the holding

Head of Strategic Analysis Department

• Jan 2020 - Jul 2021

• Managing a team of three data scientists, guiding and helping them in delivering in-depth data insights and solutions• Developing project organization best practises and methodologies and optimizing data prep pipelines• Developing and presenting technical educational seminars (Data Science with R & Power BI) for junior level colleagues and other analytical departments in the company• Being responsible for the successful completion of major projects for the companies in the Holding under my supervision (Credit Cards Division) from the perspective of Credit Risk and Revenue Optimization Dpt. Show less

Senior Data Scientist

• Nov 2019 - Jan 2020

• Preprocessing and cleaning structured and semi-structured data - relational databases, excel, .csv, xml, json, pdf• Developing, validating and monitoring machine learning and credit risk predictive models• Automating reports and repetitive tasks developing dashboards• Business Analysis• Tools used - R, Microsoft SQL, Excel, Power BI• Areas of application - non-bank finance, credit risk modeling, customer analytics

Data Scientist Financial Products (Contractor)

• Jul 2020 - Jun 2021

Developed 2 predictive models for A1 Bulgaria Credit Card Financial Product: • Predict the probability of non-payment on credit card based on TELCO data - matched the predictive power of a scoring model built on income and credit history data. • Predict the probability of credit card acceptance - increased 8 times the credit card acceptance rate in the first campaign completed based on the model's predictions. Developed 2 predictive models for A1 Bulgaria Credit Card Financial Product: • Predict the probability of non-payment on credit card based on TELCO data - matched the predictive power of a scoring model built on income and credit history data. • Predict the probability of credit card acceptance - increased 8 times the credit card acceptance rate in the first campaign completed based on the model's predictions.

Credit Risk Modeller

• Mar 2019 - Nov 2019

• Application and Behave Credit Risk Scorecards Development, Calibration, Monitoring • ETL Process Flows Development • Tools and technologies used - IBM SPSS Modeler, Microsoft SQL, Oracle SQL, Excel, Power BI, R • Area of application - Banking Finance • Application and Behave Credit Risk Scorecards Development, Calibration, Monitoring • ETL Process Flows Development • Tools and technologies used - IBM SPSS Modeler, Microsoft SQL, Oracle SQL, Excel, Power BI, R • Area of application - Banking Finance

Data Scientist

• Nov 2017 - Mar 2019

• Credit Risk Predictive Modelling • Business Analysis • Reporting • Tools used - R, Microsoft SQL, Excel • Area of application - Non-Bank Finance • Credit Risk Predictive Modelling • Business Analysis • Reporting • Tools used - R, Microsoft SQL, Excel • Area of application - Non-Bank Finance