With over 20 years of experience across multiple UniCredit geographies, Tsvetelin Minchev brings a strong track record of delivering large-scale technology and business transformation in banking and finance . His career spans Retail Banking, Leasing, Organization , Digital and Operations including roles as Chief Operating Officer and Management Board Member, where he successfully aligned business strategy with operational and technology execution.

Currently serving as Digital and Information Director (CIO) at UniCredit Bank Romania, he leads the bank’s enterprise-wide digital, data, and technology agenda. His focus areas include AI enablement, modernization of core platforms, and end-to-end process optimization to drive efficiency, resilience, and superior customer experience.

Tsvetelin is passionate about building high-performing technology organizations, fostering cross-functional collaboration, and developing leadership capabilities. He actively promotes a culture of continuous improvement, agility, and strong professional networks empowering teams to accelerate digital adoption and deliver measurable business value through technology.

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