Nikolay Hristov

Nikolay Hristov, FRR (GARP), currently serves as the Head of Risk Validation in the Risk Management Division at UniCredit Bulbank since March 2018, following a role as Senior Risk Validation Expert. Prior experience includes serving as a Senior Expert in Integrated Risk Management Division at Raiffeisenbank Bulgaria, focusing on model risk management and the validation of retail credit risk methodologies. Additionally, at Allianz Bank Bulgaria AD, Nikolay held the position of Senior Expert in Market, Liquidity, and Operational Risk, where advanced quantitative modeling techniques were applied to ensure compliance with regulatory standards. Educational credentials include studies in economics, finance, and market management from the Tsenov Academy of Economics and a secondary education in economics.