Credit Risk Conference

Credit Risk Management Conference

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ICAP Bulgaria, member of ICAP, group of companies, the largest Business Information and Consulting group in Southeastern Europe, is organizing the 10th Credit Risk Management Conference in Bulgaria.

The event will take place on Thursday the 16th of May at Sofia Hotel Balkan.

This year’s discussions will recap the past decade, which was marked by challenges, economic crisis and uncertainty.

How the Bulgarian companies managed credit risk during the last ten years and what is the current economic situation, in the context of automation and digitization of products and services, are some of the topics to be discussed during the Credit Risk Management Conference.

Bulgarian and international keynote speakers will provide useful information enabling debates and brainstorming on Credit Risk issues.

This exchange of ideas together with the dialogue developed throughout the Conference with regards to solid Credit Risk reducing practices, represent the starting point for future action plans.


08:30 – 09:00    Registration / Coffee
09:00 – 09:20 Welcome
Vladimir Danailov, Executive Director, Sofia Municipal Privatisation and Investment Agency
09:20 – 09:40 Introductory Remarks
Nikitas Konstantellos, President & CEO, ICAP group of companies
09:40 – 10:10 Economic Overview
Roumen Galabinov, Economist
10:10 – 11:00 “Structured Finance Ratings: old sins and new challenges”
George Christodoulakis, Associate Professor of Finance, Manchester Business School
11:00 – 11:20 Networking break
11:20 – 11:50 “AML compliance steps”
Lora Georgieva, Jurist, Penkov, Markov & Partners
11:50 – 12:50 Panel Discussion: “Compliance – an ongoing commitment that evolves in alignment with changes in the market, as well as changes in businesses”

Nikolay Cvetanov, Junior Partner, Penkov, Markov & Partners

• Rozana Petrova, Head of Compliance Department and Compliance officer, Unicredit Bulbank
• Albena Rasheva, Senior Advisor, Eurofast
• Ivan Kavrukov, Manager of the Anti-Money Laundering Sector Branch Association (AMLSBA)
• Nikolay Aldimirov, Chairman of the Management Board of the Center for Prevention and Countering Money Laundering (CPCML), Alsas

12:50 – 13:20 “Rethinking Enterprises, Ecosystems and Economies with Blockchains”
Haris Linardakis, IBM Cloud Leader, Greece & Cyprus
13:20 – 14:30 Networking Lunch
14:30 – 15:00 “Risk Profiling of Corporates: Diving into a Quantitative method”
Myrto Kyriakidou, Executive Director, Credit Risk Services, ICAP SA
15:00 – 15:30 “Discovering hidden opportunities in the portfolio of customers”
Simone Rampichini, Senior Manager, Global Business Information, CRIF
15:30 – 17:00 Panel Discussion: “Managing the tension between business growth and credit risk”

Dimitar Mihaylov, Chief Commercial Officer, ARS Bulgaria

• Dimitar Marinov, Attorney at law and insolvency administrator
• Martin Mihaylovski, Business Development Director, HUS
• Victor Batov, Chief Growth Officer, 
Unimasters Logistics
• Alexander Buhchev, Senior Manager, Credit Risk Corporate Clients, 
UniCredit Bulbank
• Radoslav Pashov, Chief Financial Officer, Belovo Paper Mill S.A

17:00 End of Conference


Linadrakis Haris 2019

Haris Linardakis

Cloud leader, IBM Greece and Cyprus

Haris Linardakis is the IBM cloud leader, Greece and Cyprus since 2015. Within his role, he is helping enterprises of all sizes in Greece and Cyprus to assess cloud readiness, develop cloud adoption strategies and power their digital transformation.
Throughout his career in IBM, he held business development positions in global technology services and enterprise business unit. As a professional, he is committed to deliver business value through technological advancement and innovative thinking. His main interests include cloud platforms and services, business analytics, internet of things, cognitive applications and agile application development.
Haris’ academic background includes electrical and computer engineering degree and a PhD degree in telecommunications, both from the National Technical University of Athens. He has published and participated in research programmes in the area of medium access control protocols in Optical Networks.


Simone Rampichini

Global Business Information, CRIF

Born in 1972 in Milan, Italy, Simone Rampichini got a Master of Science in Aeronautics Engineering from the University of Politecnico di Milano. Passionate in innovation and in leading edge technologies he brought his curiosity and creativity into the b2b ``world``. With over 18 years of experience in Presales, Business Development, Business Consulting, Technologies, Scoring models, Trade Portfolio data management, and Data Mining, he is a Senior Manager in the Global Business Information in CRIF (


Roumen Galabinov


Roumen Galabinov graduated in Economics at the University of National and World Economy and holds post-graduate qualifications from the University of Georgetown in the United States and the University of Exeter, UK. аs well as specializations in the Netherlands and Austria. He was the chairman of the Insurance Supervision Agency and then Deputy Chairman of the Financial Supervision Commission. He has worked for the boards of international financial companies such as ING, AIG and VIG. Roumen Galabinov is the author of three books and a series of articles in the national and international press in the field of banks, insurance and finance. He speaks English and Russian and he is a member of the Strategic Council of the President of the Republic of Bulgaria.


George Christodoulakis

Associate Professor of Finance, Manchester Business School

Д-р Джордж Христодулакис е член на Съвета на директорите на ICAP, академик в бизнес училище „Алианс Манчестър“, Университета в Манчестър, финансов съветник и предприемач. Той е бил държавен секретар за преструктурирането на активите и приватизацията на Гърция, съветник на управителя на Банката на Гърция, член на Гръцкия съвет за корпоративно управление, както и академик в Cass Business School of City, Лондонския университет. Неговият опит се концентрира върху кредитния и пазарния риск, финансовото прогнозиране и регулирането. Има публикации в научни списания и книги, и е редактирал книгата ``Управление на рисковете в европейската криза на периферните дългове``, Палгрейв Макмилан 2015. Съвместно редактира анализ на риска, Elsevier 2008 и вестник за валидиране на модела на риска, списания за риска 2006.


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