Dimitar Nikolov

Works since 2014 as a Business Analyst at Erste Bank Group, Vienna (sIT Solutions AT Spardat GmbH). Main role includes requirements engineering, communication and coordination between IT and Business in the area of Basel III regulatory framework and BI chain monthly data processing. Strong analytical thinking, good presentation skills and overall understanding. Part of a department responsible for the RWA calculation and regulatory reporting data preparation (Oracle DB and SAS calculation engine). Until April 2013 part of Experian Plc, a young professional in the area of Retail Banking Credit Risk Management & Data Mining (Basel 2). Focused on Consultancy, operated mostly in Germany, also experienced in South African credit bureau data and scorecards modelling. Created over 20 statistical systems designed to estimate probability of default and customer's credit risk rating (PD, LGD, monthly reporting, calibrations, validations, collection and warning system scoring, decision trees and other). Skilled with different types of software including SAS, MATLAB, SQL, R, and VBA. Speaks German and English fluently, has also a sound background in broad areas of Economics: Macroeconomics, Financial Risk Management, Statistics, Monte Carlo Simulations, Time Series Analysis (ARMA-GARCH, histograms, probability distributions models etc.). General theoretical background with more sophisticated methods like Neural Networks, Machine Learning & Artificial Intelligence. Eager to experiment and little experience with start-ups. Gained some managerial and negotiations experience. Able to show leadership, takes ownership and enjoys working with other.