SILVIYA HRISTOVA

Own and drive end-to-end product development and market launch of life and non-life insurance solutions within bancassurance partnerships.

• Led full insurance product lifecycle from concept to go-live for top 3 biggest banks in Bulgaria, including market research, competitive benchmarking, product design, pricing strategy, business case validation, trainings and go-to-market planning.
• Defined product positioning and value proposition aligned with partner`s strategy and end-customer needs.
• Collaborated cross-functionally with legal, compliance, marketing, and sales teams to ensure successful product implementation and sales enablement.
• Conducted performance monitoring and post-launch analysis, identifying optimization opportunities to improve adoption and commercial results.
• Managed product portfolio performance on regular basis and owned annual budgeting, forecasting, and revenue monitoring.
• Presented product strategy, business performance, and growth and saturation initiatives directly to Executive Committee members.
• Led customer advocacy initiatives (NPS), Google reviews, monitoring feedback and driving improvements in customer experience.
• Oversaw brand positioning and communication initiatives, including PR coordination, corporate website content management, and marketing campaigns.
• Brand ambassador of Cardif Bulgaria: In charge of brand awareness increase activities;
• Participated in BNP Paribas Cardif's talent programme aimed at developing key leadership skills.

Drove product strategy and commercial development for automotive financing solutions nationwide.

• Developed and executed go-to-market strategies for automotive financing products across a national dealer network.
• Owned pricing models, commercial conditions, promotional mechanics, and revenue optimization strategies.
• Monitored KPIs, sales funnel performance, and market trends to drive growth and market share expansion.
• Built and managed strategic B2B partnerships with car dealers and digital automotive platforms.
• Led and developed a team of Business Development Managers focused on network expansion and performance growth.
• Reported directly to Commercial Director and presented monthly results to Executive Committee.

• Structured and negotiated financial and operational leasing products, enhancing client satisfaction for corporate and private clients.
• Conducted financial analysis and credit assessment, facilitating timely product approval.
• Managed remarketing strategy for repossessed assets, improving portfolio recovery performance.