Simeon Stoyanov
Kostinbrod,Bulgaria
Summary
Strategic and data-driven professional with extensive experience in the banking and digital payments sector. I specialize in the digital transformation of card products, operating at the intersection of data analytics, financial performance management and technical solution delivery within mobile banking ecosystems. My role combines product ownership with analytical depth — analysing transactional data, defining and monitoring KPIs, assessing revenue drivers and evaluating the financial impact of digital initiatives across card portfolios. I leverage SQL and product analytics methodologies to generate actionable insights, optimize customer journeys, and support data-informed decision-making in fintech environments. I actively contribute to the development and implementation of secure, customer-centric payment solutions including Apple Pay, Google Pay, Click to Pay and biometric authentication, translating business requirements into structured functional and technical specifications for successful system integration. As a Data Analyst and Fintech Analyst within a regulated banking framework, I focus on transaction behaviour analysis, portfolio profitability, risk indicators and performance forecasting. My work supports executive reporting, vendor coordination and continuous product innovation aligned with card scheme standards and regulatory requirements. Core expertise includes:
Overview
10
10
years of professional experience
5
5
years of post-secondary education
1
1
Certification
Work history
Senior Card Product Development Specialist
Central Cooperative Bank AD
Sofia, Bulgaria
2024.02 - 2026.02
- Actively participate in the development and implementation of digital payment solutions within the mobile banking application.
- Translate business and regulatory requirements into functional and technical specifications for development teams.
- Contribute to system validation, UAT coordination, and post-implementation performance monitoring.
- Analyse large-scale transactional and portfolio datasets to monitor digital card performance, customer activation, authentication success rates, and revenue dynamics.
- Define, structure, and continuously refine KPIs related to transaction volumes, interchange revenue, fee income, fraud indicators, and digital adoption metrics.
- Conduct financial impact assessments for newly introduced digital payment functionalities within the mobile banking application.
- Support forecasting and business planning processes through structured performance tracking and variance analysis.
- Lead vendor management activities, including coordination with international card schemes (Visa / Mastercard) and external technology providers.
- Actively participate in the design, development, and implementation of digital payment solutions (Apple Pay, Google Pay, Click to Pay, tokenization, biometric authentication) within the mobile banking ecosystem.
- Coordinate UAT activities, solution validation, and post-implementation performance monitoring.
Head of card and mobile product development and sales
Bulgarian American Credit Bank
Sofia, Bulgaria
2022.08 - 2024.01
- Led digital card and mobile payment initiatives with focus on financial performance, product profitability and customer adoption metrics.
- Monitored portfolio revenue streams, including interchange, fees, and transaction growth trends.
- Evaluated business cases and financial viability of new digital payment implementations (Apple Pay, Google Pay, tokenization).
- Conducted data-driven analysis of activation rates, customer behaviour and transaction performance.
- Coordinated cross-functional teams (IT, Risk, Finance, Operations) to ensure structured and compliant implementation of digital solutions.
- Oversaw optimisation of customer journey in digital onboarding and authentication flows.
Expert Card Department
Bulgarian American Credit Ba
Sofia, Bulgaria
2020.12 - 2022.08
- Participated in strategic transition to a mono-brand Visa portfolio, supporting performance monitoring and operational alignment.
- Analysed transaction flows, settlement processes, and portfolio performance indicators.
- Tracked fraud trends and risk-related metrics to support secure transaction processing.
- Contributed to management reporting related to transaction volumes, operational efficiency, and compliance requirements.
- Supported reconciliation and settlement operations with Visa and Mastercard.
- Developed and refined internal procedures to improve process efficiency and risk control.
Specialist Card Operations Division
Central Cooperative Bank AD
Sofia
2015.12 - 2020.11
- Analysed card transaction processes and operational datasets across issuing and acquiring streams to ensure system accuracy, settlement integrity, and performance stability.
- Observed acquiring transaction volumes, authorization ratios, merchant activity trends, and terminal performance indicators.
- Assisted reconciliation and clearing processes for acquiring operations, ensuring alignment between merchant settlements, scheme reports, and internal accounting records.
- Investigated and resolved complex transaction discrepancies, including disputes related to acquisitions and settlement mismatches, through a structured root-cause analysis.
- Participated in the implementation, testing, and validation of new acquiring functionalities and system enhancements across POS and card processing platforms.
- Contributed to the development and documentation of internal procedures related to card issuing and acquiring operations.
- Ensured compliance with regulatory requirements and card scheme rules (Visa / Mastercard) across daily issuing and acquiring activities.
Education
Master's degree - International Economic Relations
St. Cyril And St. Methodius University of Veliko Tarnovo
Veliko Tarnovo 2020.01 - 2021.01
Bachelor's degree - Finance, General
VUZF University
Sofia 2009.01 - 2013.01
Skills
- SQL
- KPI Development
- Product Analytics
- Digital Payments
- Risk Analysis
- User Experience (UX)
- User Interface Design
- Product Requirements
- Mobile Applications
- Appium: Testing
- Selenium Testing
- Scrum
- Launch Products
- Project Plans
- Analytics
Certification
- Front-End Test Automation - October 2025
- QA Fundamentals and Manual Testing - February 2025
- MySQL
- Programming Advanced for QA - July 2025
- Programming Basic
Languages
Bulgarian (Native or Bilingual)
English (Professional Working)
Russian (Elementary)
Timeline
Senior Card Product Development Specialist
Central Cooperative Bank AD
2024.02 - 2026.02
Head of card and mobile product development and sales
Bulgarian American Credit Bank
2022.08 - 2024.01
Expert Card Department
Bulgarian American Credit Ba
2020.12 - 2022.08
Master's degree - International Economic Relations
St. Cyril And St. Methodius University of Veliko Tarnovo
2020.01 - 2021.01
Specialist Card Operations Division
Central Cooperative Bank AD
2015.12 - 2020.11
Bachelor's degree - Finance, General
VUZF University
2009.01 - 2013.01