Kristofor Pavlov holds a MS degree in Accounting and Control from the University of National and World Economy. He has three years of professional experience in on-site inspections and statutory reporting of financial institutions; three years of professional experience as middle manager responsible for strategic planning and performance measurement in three different financial institutions; and three years of professional experience as member of the management board of DSK Bank, with contribution to the restructuring of the bank and its preparation for privatization.Since 2002 Kristofor Pavlov has been working as a chief economist of UniCredit Bulbank with focus on macro, FX and financial sector analysis and research.