Desislava Simeonova holds a Master’s degree in Law. She started her professional career as a legal trainee at Sofia City Court. In 2000 she was appointed as a public enforcement agent at the State Receivables Collection Agency to the Ministry of Finance. Subsequently she also worked as a legal counsel at the Legal Directorate and an expert to the Inspectorate of that same institution.
Over the period 2004 – 2008 she worked as a legal counsel at the Bulgarian National Bank, Banking Supervision Department. She joined the team of CIBANK more than 10 years ago in the Corporate Officer position. Later on she consecutively managed Legal Services and Methodology Directorate and in 2016 she was appointed SME Director, while achieving excellent results in that segment. After the acquisition of United Bulgarian Bank by the Belgian financial group KBC in 2017 Desislava Simeonova took over the function of SME Distribution Director at UBB.
Svetla Georgieva is member of the Management board and Executive Director Risk in United Bulgarian Bank after its acquisition by Belgian finance group KBC Group in June 2017.
Her professional career includes different management positions at Citibank N.A. and ING Bank N.V. She joined the CIBANK team in 2008, and consequently held positions as head of Retail Credit Risk Department and deputy director of the Credit Management Directorate. In January 2014 she became KBC Group's Chief Risk Officer (CRO) for Bulgaria, a member of the MB and an Executive Director of CIBANK.
Svetla Georgieva graduated under the INSEAD Inter-Alpha Banking Programme (2013) from City University, Seattle, DCL (2004-2006) and has an MBA degree in Finance.
She also has a Master's degree in industrial electronics from the Moscow Power Engineering Institute (1985-1991), a postgraduate qualification in International Economic Relations and International Law from the University of National and World Economy (1992 - 1993) and the University of Delaware / FLAG Consortium in Sofia (2001 -2002).
She is fluent in English and Russian.
Christof De Mil
Christof De Mil started his career in KBC Group in 1995. After 10 years at various managerial positions in the Retail/SME branch network of KBC Group, in 2006 he moved to the Czech Republic to head the Retail/SME branch network of CSOB for a period of 5 years.
In 2011 he was appointed member of the Management Board of CIBANK with responsibilities in the following domains: Retail banking, Branch Network and distribution channels and Payments.
After the acquisition of United Bulgarian Bank by the Belgian finance group KBC Group in June 2017, Christof De Mil has become member of the Management board and Executive Director Finance of UBB.
He has a degree in Economics from the Economic University of Ghent and also MBA from INSEAD.
He is fluent in Dutch, English, French, Business German and basic Czech.
Tatyana Ivanova started her career 20 years ago in Société Generale and built since then a broad and international career in various subsidiaries of the Group. She was, amongst others, Retail Director in the Republic of Macedonia, worked several years as Head of Sales promotion in Russia, as Marketing manager in the HQs Paris, as well as Head of Marketing and Digital banking in Société Generale, Bulgaria.
As of the beginning of November 2018 until taking the position of a Management Board Member and Executive Officer Marketing and Distribution – Retail banking, she is Director of Retail Marketing and Digital Sales Directorate in UBB.
Tatyana holds EMBA from HEC-Paris.
She is fluent in English, French and Russian.
Teodor Marinov has been part of United Bulgarian Bank’s management since June 2010, when he was elected member of the Board of Directors, while holding the position of Executive Manager Corporate Banking of the Bank since September the same year.
After the acquisition of United Bulgarian Bank by the Belgian finance group KBC Group in June 2017, Teodor Marinov has become member of the KBC Country Team in Bulgaria, member of the Management board and Executive Director Legacy of UBB. During the period 2001-2010, he was Executive Director of Interlease EAD and since 2006 has been also involved in the management bodies of the leasing companies of the group of the National Bank of Greece in Romania and Serbia.
His professional development began in 1994 as a Financial Analyst at the Sofia Stock Exchange. In 1995-1997 he worked as a Customer Relationship Manager and Credit Analysis Unit Manager at the Bulgarian Investment Bank AD. From 1997 until 2000 he was Investments Manager in the Balkan Regional Division of the National Bank of Greece.Teodor
Marinov holds Master's degrees in Business Administration from London Business School and in Systems Control from the Technical University, Sofia. He has been a holder of CFA (Certified Financial Analyst) professional designation since 2001. Marinov also completed the INSEAD Inter-Alpha Banking Programme in 2002.
He is fluent in English and Russian.
Ivailo Mateev started his career at United Bulgarian Bank in 1992. Throughout thе years he has held various positions in the areas of Planning and Budgeting, Management Accounting, Project Management, Business Processes and Organization, Branch Network Management. In the period 2009 – 2017 he was Chief Operating Officer of UBB AD.
After the acquisition of United Bulgarian Bank by the Belgian finance group KBC Group in June 2017, Ivaylo Mateev has become member of the KBC Country Team in Bulgaria, member of the Management board and Executive Director Operations of UBB.
He holds a Master's degree in Management of Commerce from the University of National and World Economy (UNWE), Sofia.
He is fluent in English, Spanish and Russian.
Hristina Filipova’s professional experience includes different positions in the private banking sector and Buulgarian National Bank. From 1987 to 1992 she worked as an inspector at BNB - branch Blagoevgrad and Director of branch Rila. She continued her career at TS Bank AD, and in 1996 she joined the team of CIBANK (BRIBANK at that time).
After the acquisition of United Bulgarian Bank by the Belgian finance group KBC Group in June 2017, Hristina Filipova has become member of the Management board and Procurator of UBB. She has a degree in Banks and Banking Activity from the UNWE. She has specialized in Banks in Market Economies at the International Training Institute in Berlin.
In 1996 she acquired a license for an assessor of financial institutions from the Privatization Agency and also assessor of enterprises in 1999. In 1997 she acquired a certificate that gives her the right to act as trustee (treasurer). She is a Certified Public Accountant since 1998.
Language competences: Spanish and Russian.
Luc Popelier holds a Master’s Degree in Business Economics from the University in Antwerp, Belgium. He started his career as Account Officer at Overpelt (Belgium), Corporate Branch of KBC Bank (formerly Kredietbank N.V.), where he worked over the period 1988 – 1995, reaching the position Senior Account Officer CD Corporates.
Luc Popelier joined UBS – London (formerly Warburg Dillon Read) over the period April 1995 – December 1995 as Associate Director, Credit Risk Management. From January 1996 until September 1999 he held the position Director Corporate Finance Leveraged Finance Group at UBS – London (formerly SBC Warburg). In October 1999 he became Executive Director Corporate Finance at KBC Securities N.V., holding that position until September 2002. In October 2002 Luc Popelier joined the team of KBC Group N.V. as General Manager Group Strategy and Business Development. Over the period May 2008 – February 2009 he held the position General Manager Group Trade Finance at KBC Bank N.V. From March 2009 until August 2009 Popelier was Managing Director and Member of the Executive Committee of KBC Asset Management N.V., while from September 2009 until May 2011 - CEO Market Activities and Member of the Executive Committee of KBC Group N.V. In 2011 Luc Popelier takes the position of CFO and Executive Director at KBC Group, while in 2017 he is appointed as Chief Executive Officer of International Markets Business Unit in KBC Group N.V.
Christine Van Rijsseghem
Christine Van Rijsseghem holds a Master’s Degree in Law from Ghent University, Belgium. Moreover, she also holds a Master’s Degree in Business Administration (MBA) – Financial Sciences from Vlerick Business School.
Christine Van Rijsseghem started her professional career in University Graduates Team, Kredietbank in 1987. From 1988 until 1991 she worked for Central Department Foreign Entities at Кredietbank (risk management and controlling). In 1992 she became Head of Central Department of Foreign Entities (incl. International acquisition strategy). Over the period from 1994 until 1996 she held the position Head of Credit Department at Irish Intercontinental Bank (KBC subsidiary). Christine Van Rijsseghem became Chief Executive Officer of KBC France (KBC branch) in 1996 and in 1999 – Chief Executive Officer of KBC London (KBC branch). From 2000 until 2003 she held the position Senior General Manager of Securities and Derivatives Processing Directorate, while during the period 2003 – 04.2014 she took the position of Senior General Manager Group Finance at KBC Group. In effect since May 2014 Christine Van Rijsseghem has been elected CRO of KBC Group and Member of the Executive Committee of KBC Group.
Franky Depickere holds a Master’s Degree in Commercial and Financial Sciences from the University of Antwerp (HHS-UFSIA – Belgium).
He joins CERA Group in 1982 and held several Executive Positions there for more than 17 years.
In 1999 Franky Depickere became managing Director and Chairman of the Executive Committee of F. van Lanschot Bankiers Belgie NV, as well as group director of F. van Lanchot Bankers in the Netherlands. Since 2005 onwards Depickere was also a member of the Strategic Committee of F. van Lanchot Bankiers (the Netherlands).
As of September 2006 he is Managing Director of Cera and KBC Ancora. Franky Depickere participates in managing bodies of several non-profit legal entities – Chairman of BRS vzur (Leuven, Belgium). He is a Chairman of the 'lnternational Raiffeisen Union' (l.R.U. – Bonn, Germany), Мember of the Executive Committee of EACB (European Association of Cooperative Banks in Brussels Belgium. Depickere is also Chairman of the Board of Directors of Flanders Business School (Antwerp Campus KU Leuven, Belgium), as well as a member of the Senate KU Leuven (Catholic University Leuven Belgium) and a member of the Board of Directors of KU Leuven Kulak (Kortrijk, Belgium). Currently, he is Chief Executive Officer at CERA and KBC Ancora.
Dr. Barak Chizi graduated in 1996 as an industrial and management engineer in the Technion – Israel Institute of Technology.
He further specialized in AI and machine learning (MSc and PhD in Tel – Aviv University), and since then teaches this subject at Tel – Aviv University and In Ben – Gurion University. In 2003 he became a data specialist for the Israeli government. In parallel, he started his own consulting firm, providing unique knowledge to global companies. In 2011 he was appointed as senior R&D director and Senior Researcher at Deutsche Telekom. In May 2015, he joined KBC and from August that year he started his role as general manger big data, data analytics and AI.
Svetoslav Gavriiski is independent member of the Supervisory Board of UBB as of May 2020. He graduated with major in Foreign Trade Economics from Karl Marx Higher Institute of Economics (presently re-named to University of National and World Economy, or UNWE) in 1972. His professional path started at the Ministry of Finance in 1972, where up to 1997 he held the following positions – specialist, chief specialist, expert, head of department, head of main department.
In the period 1992 – 1997 Mr. Svetoslav Gavriiski was first Deputy Minister of Finance and from February until May 1997 he was Minister of Finance in the caretaker government. Over the period 1991 – 1994 he led the negotiations with the creditors from the Paris Club, and after that wa part of the negotiations team with the London Club of private creditor banks for rescheduling and renegotiating Bulgaria’s foreign debt.
Over the period 1991 – 1997 Mr. Gavriiski was member of the Management Board of Bulbank. Over the period June 1997 – October 2003 he was elected BNB Governor by the 38-th National Assembly. He led the executing of the monetary reform and the introducing and maintaining of the Currency Board in Bulgaria.
Mr. Svetoslav Gavriiski was representative for Bulgaria in the International Monetary Fund from 1992 until 2003, and as of 2004 – 2005 he was an advisor.
From 2006 until 2016 Mr. Svetoslav Gavriiski was a member of the Management Board (from 2011 until 2016 its chairperson) and Chief Executive Officer of Allianz Bank Bulgaria AD, and from 2016 until 2018 he was Chairperson of the Management Board of Allianz Bank Bulgaria AD.
Assoc. prof. Victor Yotzov
Assoc. prof. Victor Yotzov is independent member of the Supervisory Board of UBB as of May 2020. He graduated in 1985 from the University of National and World Economy as a Master of Economics with major in Management and Planning of the National Economy (Socio-economic planning). In 2001 he acquires educational and scientific degree ‘doctor’ of Economics.
Assoc. prof. Victor Yotzov’s career path and research activity started in 1986 when, after a special competition procedure, he was appointed as a research fellow in Analytic and Forecasting Activity Section of the Economic Institute with the Bulgarian Academy of Sciences. From 1992 until 1994 he was part-time lecturer in Macroeconomics at the International Management, Trade and Marketing (MT&M) College. In the period 1998 – 2001 he is part-time lecturer in Theory of Money and Credit in Finance Department with the University of National and World Economy.
In 1995 Victor Yotzov started working at the Bulgarian National Bank as an expert in Balance of Payments and Foreign Debt Department, while in 1997 he became head of the Economic Research Department at the BNB. In 2001 Assoc. prof. Victor Yotzov was appointed as Head of Economic Research and Forecasts Directorate and acting as Chief Economist of the BNB. Over the period 2003 – 2010 he worked as a representative for Bulgaria at the International Monetary Fund and counsel to the Executive Director.
In 2014 upon obtaining an academic rank Victor Yotzov became Associate Professor in Finance Department of the University of National and World Economy and at the same time was appointed at the Macroeconomics Section at the Institute of Economic Research with the Bulgarian Academy of Sciences.
He is author of many publications in the field of finance. His scientific interests are in the domains of monetary theory, banking, public finance and foreign trade. In the period 2016 – 2018 he is a Director of the Economics and Policies Institute with the University of National and World Economy.
In June 2015 Assoc. prof. Victor Yotzov was nominated for holding a BNB Governor position.