Experience

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  Educational training firm “spectra”-national high school in finance and business (nhsfb)

  Sept 2004 - Jul 2007

  Trade marketing director
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  Pac doverie ad

  Mar 2011 - Nov 2011

  Occupational pensions authority sales specialist

  - Meetings with customers; - Looking for new customers by different channels.

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  Aviation services bulgaria

  Mar 2013 - May 2013

  Accountant trainee
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  Raiffeisenbank bulgaria

  Apr 2014 - Jun 2018

  - Follow-up of client exposure and monitor global credit risks the Bank undertakes;- Collecting and monitoring key information on clients (annual reports, financial statements, etc.); - Conducting the Counterparty and credit risk analysis of a portfolio of clients and selecting the Adequate credit process flow; - Analyzing and summarizing counterparty and credit risk on clients and prospects - performing detailed economic and industry analysis as well as financial and risk assessment (liquidity, profitability, credit history, income growth, quality of management, market share, potential risks of the industry, collateral appraisal); - Assigning Credit Ratings as per the Internal Rating Methodology of the Bank;- Preparing a Credit Proposal and presenting it to a Credit Committee;- Credit Risk Monitoring - covenants, strategy implementation and risk profile. Maintaining portfolio reports including exposure databases and other general reports;- When necessary, assisting in the closing of transactions and liaising with the legal and middle office teams;- Participating in the continuous improvement of credit process efficiency by proposing solutions and identifying areas for improvement Show less Granting credit facilities for small medium entrepreneurs;- Marketing and portfolio control;- Preparation of financial analysis for the financial statements provided by the companies to elaborate the type, tenor and risks; - Preparation of payback method and investigate the risk /if any/ of the collateral provided; - Marketing the bank`s different products/business accounts, health insurance, and loans; - Preparation of credit facility‘s packages for new companies in addition to renewing the existing ones;- Providing financial advice to customers;- Ensuring that the facilities granted are in compliance with the internal rules and regulations, ensuring the availability of the proper set of documents for each type of facility;- Monitoring the credit facilities granted to the customers in terms of funds disbursement and adequate use, weekly positions for the credit customers; - Daily meetings with customers to get acquainted with their business;- Participation in the daily preparation of credit reports for the senior managements; - Providing assistance in consulting and opening a business account. Show less Looking for new customers by different channels; - Identifying and establishing contact with potential ones; - Finding and determining customer’s needs; - Constantly improving business relationship with the clients; - Consulting customers in order to find the product fitting them best; - Analysing financial information from P&L and balance sheets; - Prepare credit proposals and giving opinions on loans approval;- Preparing credit risk analysis; - In general Customer Experience. Show less

  • Specialist - Micro Business

    Oct 2016 - Jun 2018

  • Specialist Loan Officer

    Jul 2015 - Sept 2016

  • Specialist - Front office, payments and input of data

    Oct 2014 - Jun 2015

  • Micro Business Trainee

    Apr 2014 - Sept 2014
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  Dsk bank

  Jun 2018 - Apr 2019

  Relationship manager sme clients

  -Managing a personally assigned portfolio of SME and AGRO business clients; -Analyzing financial statements, conducting due diligence checks, credit risk assessment;- Enriching portfolio profitability through loan origination and cross-selling; -Structuring complex tailor-made lending deals; -Structuring sales offers and participating in the negotiations process; -Conducting internal and external meeting;-Preparing statements supporting the decision-making process;-Presenting bank's products to companies, organizations and institutions;- Execution of methodologic support and supervisory to employees directly responsible for customer service of SME and AGRO clients. Show less

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  Raiffeisenbank bulgaria

  May 2020 - Dec 2022

  The Senior Digital Product Manager (SDPM) oversees the entire life cycle of a digital product, from inception to launch. SDPM is a member of the Agile Team (squad) who participates in defining Stories and prioritizing the Team Backlog to streamline the execution of Customer Journey priorities. He is involved in creating the vision, implementation/innovation and operation/further development of a product/service platform for internal/external customers throughout the life cycle.*Responsible for leading the on-going development of a digital products.*Oversee the entire life cycle of a digital product, from inception to launch. *Identification of growth opportunities throughout the life cycle of the product.*Maintaning day-to-day life of the product and its continuous flowless operations.*Participation in QBR and PI Planning sessions. Show less The Digital Product Manager (DPM) oversees the entire life cycle of a digital product, from inception to launch. DPM is a member of the Agile Team (squad) who participates in defining Stories and prioritizing the Team Backlog to streamline the execution of Customer Journey priorities. He is involved in creating the vision, implementation/innovation and operation/further development of a product/service platform for internal/external customers throughout the life cycle.*Responsible for leading the on-going development of a digital products.*Oversee the entire life cycle of a digital product, from inception to launch. *Identification of growth opportunities throughout the life cycle of the product.*Maintaning day-to-day life of the product and its continuous flowless operations.*Participation in QBR and PI Planning sessions. Show less

  • Senior Digital Product Manager - Financing needs- Small Business Department

    Oct 2021 - Dec 2022

  • Business Analyst and Developer in Agile squad - Small Business Lending

    Mar 2020 - Dec 2022

  • Digital Product Manager - Financing Needs - Small Business Department

    Feb 2021 - Oct 2021

  • Business Development Specialist in Micro Business Department

    May 2019 - Feb 2021

  • Operative Mentor - ElevatorLab2020

    May 2020 - Sept 2020
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  Dsk bank

  Dec 2022 - now

  Product owner dsk mobile/dsk online personal cash lending

  The Senior Digital Product Manager (SDPM)oversees the entire life cycle of a digital product,from inception to launch. SDPM is a member ofthe Agile Team (squad) who participates indefining Stories and prioritizing the TeamBacklog to streamline the execution of CustomerJourney priorities. He is involved in creating thevision, implementation/innovation andoperation/further development of a product/service platform for internal/external customersthroughout the life cycle*Responsible for leading the on-goingdevelopment of a digital products.*Oversee the entire life cycle of a digital product,from inception to launch*Identification of growth opportunitiesthroughout the life cycle of the product.*Maintaning day-to-day life of the product and itscontinuous flowless operations*Participation in QBR and PI Planning sessions Show less