Tsveta Nikolova

Tsveta Nikolova, FRM, currently serves as the Head of Credit Risk Methodology and Capital Adequacy Control Department at Postbank (Eurobank Bulgaria AD) since November 2018. Prior to this role, Tsveta held the position of Head of Statistical Analyses and Models Department at First Investment Bank, overseeing internal credit risk model development and governance. Tsveta's extensive experience includes a significant tenure at United Bulgarian Bank, where responsibilities encompassed the development of credit risk models, management of credit risk projects aligned with Basel II and III, and the coordination of IFRS9 methodology developments. Tsveta began their career in credit risk modeling at BNP Paribas Personal Finance as a Statistician. Tsveta holds a Master's degree in Mathematical Modeling in Economics and a Bachelor's degree in Applied Mathematics from Sofia University St. Kliment Ohridski, complemented by advanced proficiency in SQL, Excel, SPSS, and R.