Tosho Stoyanov is the Founder and Managing Director of EUC. Tosho is a senior executive with over 25 years of experience in Banking and Finance. Possessing a strong track record of change management and operational optimization, while consistently achieving commercial growth targets. Proven competence to build, integrate, transform and expand operations across corporate, retail and private banking. Before establishing EUC, Tosho has worked at ABN-AMRO Bank, Raiffaisenbank and Societe Generale Expressbank. He holds an MBA in Finance and PhD in Physics. He has mastered an influential combination of practical banking knowledge and up-to-date academical management concepts, acquired through 20 years of practice as a part-time business lecturer in Plovdiv University.