Zhivko Alexiev - Country Retail and SME Risk Portfolio and Fraud Manager

Q: Where is Zhivko based?

Zhivko is based in Klagenfurt am Wörthersee, Austria and can operate in on-site , hybrid , and remote work models.

Q: What languages does Zhivko speak?

Zhivko speaks the following languages: Bulgarian (Native), English (Advanced), Italian (Advanced), Russian (Advanced), German (Intermediate) .

Q: How many years of experience does Zhivko have?

Zhivko has at least 27 years of experience. During this time, Zhivko has worked in at least 4 different roles and for 5 different companies . The average length of individual experience is 5 years and 4 months . Note that Zhivko may not have shared all experience and actually has more experience.

Q: What is Zhivko's latest experience?

Zhivko's most recent position is Country Retail and SME Risk Portfolio and Fraud Manager at Addiko Bank AG .

Q: What companies has Zhivko worked for in recent years?

In recent years, Zhivko has worked for Addiko Bank AG .

Q: Which industries is Zhivko most experienced in?

Zhivko is most experienced in industries like Banking and Finance .

Q: Which business areas is Zhivko most experienced in?

Zhivko is most experienced in business areas like Finance , Business Intelligence , and Operations . Zhivko also has some experience in Project Management , Investments and M&A , and Sales .

Q: Which industries has Zhivko worked in recently?

Zhivko has recently worked in industries like Banking and Finance .

Q: Which business areas has Zhivko worked in recently?

Zhivko has recently worked in business areas like Business Intelligence , Finance , and Operations .

Recommended expert

Klagenfurt am Wörthersee, Austria

Experience

Nov 2011 - Present

14 years 5 months

Klagenfurt am Wörthersee, Austria

Country Retail and SME Risk Portfolio and Fraud Manager

Addiko Bank AG

Managed EUR 2B multi-country portfolio with market segmentation strategies and a comprehensive risk reporting framework.
Increased lending volume by 800% (EUR 5M to EUR 60M) in 2 years, maintaining risk parameters and portfolio quality.
Led digitalization of lending infrastructure, reducing approval time to 20 minutes with 80%+ straight-through processing.
Developed enterprise-wide risk management framework with real-time analytics, fraud detection, and portfolio monitoring. Strengthened risk policies and procedures.
Reduced cost-income ratio by 30% through operational efficiency improvements and process optimization.
Executed Croatia's first electronic debt sale (EUR 35M), creating a precedent with an automated program reducing NPL ratio.
Developed early collection reporting system improving tracking accuracy by 99% through data integration across 3 countries.
Executed debt sales totaling over EUR 50M, automating processes that decreased NPL ratio by 30%.
Managed forward flow contracts worth EUR 10M annually, ensuring timely debt recovery across two multi-country banks.

Jan 2003 - Nov 2011

8 years 11 months

Senior Bank and Leasing Credit Risk Consultant

DAI Europe Ltd

Capacity building of retail risk departments.
Credit-scoring models for loans and leases; modelling of scoring models based on PD, LGD, and EAD models.
SME lending products and strategies.
E2E digital loan application processing system (APS) – software for managing credit process workflow.
Collection procedures and monitoring of deteriorating credit portfolio.
Design and deliver credit risk training for loan and lease officers, train the trainer, and sales skills; coaching new staff.
Project manager for EU/EBRD SME finance facilities in various banks.

Dec 2001 - Dec 2002

1 year 1 month

Sofia, Bulgaria

Senior Loan Officer

Piraeus Bank

Analysed, structured, negotiated investment projects worth between EUR 1,000 and EUR 3,000,000.
Monitored a portfolio of 150 projects with a total value of EUR 50,000,000.
Developed products and procedures for mortgage loans, consumer loans, and debit card overdrafts.

Jan 2000 - Nov 2001

1 year 11 months

Sofia, Bulgaria

Loan Officer

Economic and Investment Bank

Attracted new business.
Analysed, structured, negotiated investment projects.

Jun 1999 - Dec 1999

7 months

Sofia, Bulgaria

Loan Officer

International Project Consult (IPC)

Lending program developed by KfW and EBRD for financing micro companies. Later the program developed Procredit Bank, Bulgaria.

Industry Experience

See where this freelancer has spent most of their professional time.

Experienced in Banking and Finance.

Banking and Finance

Business Area Experience

See which departments and functions this freelancer has contributed to most.

Experienced in Finance, Business Intelligence, Operations, Project Management, Investments and M&A, and Sales.

Finance

Business Intelligence

Operations

Project Management

Investments and M&A

Sales

Summary

Seasoned risk and credit management expert with 26 years driving portfolio growth and digital transformation in multi-country banking environments.

Proven track record in optimizing consumer collections through automation, AI-driven solutions, and data analytics, achieving an 800% lending increase while maintaining portfolio quality.

Skilled in developing segmentation strategies, compliance frameworks, and SOPs that enhance recovery rates and reduce costs.

Adept at leading cross-functional teams to implement process improvements, leveraging Power BI and SQL for performance measurement.

Skills

Portfolio Management
Risk Management
Project Management
Credit Fraud
Restructure
Process Optimisation
Data Analytics
Python
Sql
Ms Office
Visual Basic
Power Bi

Languages

Bulgarian

Native

English

Advanced

Italian

Advanced

Russian

Advanced

German

Intermediate

Education

Oct 1998 - Present

Georgetown University

Political Studies · Washington, United States

Oct 1997 - Present

Charles University, American Institute on Political and Economic Studies

Political and Economic Studies · Prague, Czech Republic

Oct 1994 - Jun 1999

University for National and World Economy

Master in Finance and Banking · Finance and Banking · Sofia, Bulgaria

Certifications & licenses

Certified Expert In Microfinance

Frankfurt School Of Finance And Management

Certified Expert In Risk Management

Frankfurt School Of Finance And Management

Certified Expert In SME

Frankfurt School Of Finance And Management

Statistics

Experience

Total positions 5

Experience in Banking and Finance 27 y

Avg length 5 y 4 m

Longest experience 14 y 4 m

Global Experience

Countries worked in 2 (Bulgaria, Austria)

Primary country Bulgaria

Expertise

Recent roles Country Retail and SME Risk Portfolio and Fraud Manager, Senior Bank and Leasing Credit Risk Consultant, Senior Loan Officer

Main industries Banking and Finance

Main business areas Finance, Business Intelligence, Operations

Qualifications

Highest degree Master

Certifications earned 3

Profile

Created

November 2025

Last Update

November 2025

Need a freelancer? Find your match in seconds.

Try FRATCH GPT

Frequently asked questions

Do you have questions? Here you can find further information.

Where is Zhivko based?

Zhivko is based in Klagenfurt am Wörthersee, Austria and can operate in on-site, hybrid, and remote work models.

What languages does Zhivko speak?

Zhivko speaks the following languages: Bulgarian (Native), English (Advanced), Italian (Advanced), Russian (Advanced), German (Intermediate).

How many years of experience does Zhivko have?

Zhivko has at least 27 years of experience. During this time, Zhivko has worked in at least 4 different roles and for 5 different companies. The average length of individual experience is 5 years and 4 months. Note that Zhivko may not have shared all experience and actually has more experience.

What roles would Zhivko be best suited for?

Based on recent experience, Zhivko would be well-suited for roles such as: Country Retail and SME Risk Portfolio and Fraud Manager, Senior Bank and Leasing Credit Risk Consultant, Senior Loan Officer.

What is Zhivko's latest experience?

Zhivko's most recent position is Country Retail and SME Risk Portfolio and Fraud Manager at Addiko Bank AG.

What companies has Zhivko worked for in recent years?

In recent years, Zhivko has worked for Addiko Bank AG.

Which industries is Zhivko most experienced in?

Zhivko is most experienced in industries like Banking and Finance.

Which business areas is Zhivko most experienced in?

Zhivko is most experienced in business areas like Finance, Business Intelligence, and Operations. Zhivko also has some experience in Project Management, Investments and M&A, and Sales.

Which industries has Zhivko worked in recently?

Zhivko has recently worked in industries like Banking and Finance.

Which business areas has Zhivko worked in recently?

Zhivko has recently worked in business areas like Business Intelligence, Finance, and Operations.

What is Zhivko's education?

Zhivko holds a Master in Finance and Banking from University for National and World Economy.

Does Zhivko have any certificates?

Zhivko has 3 certificates. These include: Certified Expert In Microfinance, Certified Expert In Risk Management, and Certified Expert In SME.

What is the availability of Zhivko?

Zhivko is immediately available full-time for suitable projects.

What is the rate of Zhivko?

Zhivko's rate depends on the specific project requirements. Please use the Meet button on the profile to schedule a meeting and discuss the details.