{"id":31858,"date":"2025-06-10T10:05:32","date_gmt":"2025-06-10T10:05:32","guid":{"rendered":"https:\/\/www.icapcrif.com\/bg\/?page_id=31858"},"modified":"2025-06-10T10:07:09","modified_gmt":"2025-06-10T10:07:09","slug":"16th-crc-tsveta","status":"publish","type":"page","link":"https:\/\/www.icapcrif.com\/bg\/en\/16th-crc-tsveta\/","title":{"rendered":"16th-crc-Tsveta"},"content":{"rendered":"

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\"\"<\/p>\n

Tsveta Nikolova<\/strong>,<\/p>\n

Head Credit Risk Methodology and Capital Adequacy Control,<\/p>\n

POSTBANK<\/strong><\/p>\n

Tsveta has been leading the Credit Risk Methodology and Capital Adequacy Control department within the Risk Sector at Eurobank Bulgaria for the past seven years. She brings nearly 20 years of experience in credit risk modeling, covering the full lifecycle of model development, validation, implementation, and monitoring\u2014including PD, LGD, scorecards, rating models, and Lifetime ECL.<\/p>\n

Her expertise combines strong mathematical skills with in-depth knowledge of banking processes and advanced data capabilities, enabling her to deliver robust credit risk management solutions.<\/p>\n

 <\/p>\n

Throughout her career, Tsveta has led numerous projects aligned with ECB regulatory expectations, driving compliance through technical implementations, methodological guidance, and effective collaboration between the Risk function and other bank divisions. She holds an FRM certification from the Global Association of Risk Professionals.<\/p>\n

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ICAP CRIF BG\" \/>\n<meta property=\"og:description\" content=\"[vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”grid” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” z_index=””][vc_column][vc_column_text] Tsveta Nikolova, Head Credit Risk Methodology and Capital Adequacy Control, POSTBANK Tsveta has been leading the Credit Risk Methodology and Capital Adequacy Control department within the Risk Sector at Eurobank Bulgaria for the past seven years....\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.icapcrif.com\/bg\/en\/16th-crc-tsveta\/\" \/>\n<meta property=\"og:site_name\" content=\"ICAP CRIF BG\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/ICAPCRIF\/\" \/>\n<meta property=\"article:modified_time\" content=\"2025-06-10T10:07:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2019\/04\/icap.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1921\" \/>\n\t<meta property=\"og:image:height\" content=\"1081\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.icapcrif.com\/bg\/?lang=el\/#organization\",\"name\":\"ICAP CRIF EAD\",\"url\":\"https:\/\/www.icapcrif.com\/bg\/?lang=el\/\",\"sameAs\":[\"https:\/\/www.linkedin.com\/company\/icap-crif\/\",\"https:\/\/www.facebook.com\/ICAPCRIF\/\"],\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.icapcrif.com\/bg\/?lang=el\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/02\/ICAPCRIF-logo.png\",\"contentUrl\":\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2022\/02\/ICAPCRIF-logo.png\",\"width\":1773,\"height\":781,\"caption\":\"ICAP CRIF EAD\"},\"image\":{\"@id\":\"https:\/\/www.icapcrif.com\/bg\/?lang=el\/#\/schema\/logo\/image\/\"}},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.icapcrif.com\/bg\/?lang=el\/#website\",\"url\":\"https:\/\/www.icapcrif.com\/bg\/?lang=el\/\",\"name\":\"ICAP CRIF BG\",\"description\":\"Business Information Services | ICAP CRIF in Bulgaria\",\"publisher\":{\"@id\":\"https:\/\/www.icapcrif.com\/bg\/?lang=el\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.icapcrif.com\/bg\/?lang=el\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.icapcrif.com\/bg\/en\/16th-crc-tsveta\/#primaryimage\",\"url\":\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2019\/04\/icap.jpg\",\"contentUrl\":\"https:\/\/www.icapcrif.com\/bg\/wp-content\/uploads\/sites\/3\/2019\/04\/icap.jpg\",\"width\":1921,\"height\":1081},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.icapcrif.com\/bg\/en\/16th-crc-tsveta\/\",\"url\":\"https:\/\/www.icapcrif.com\/bg\/en\/16th-crc-tsveta\/\",\"name\":\"16th-crc-Tsveta - 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