With more than two decades of expertise promoting business transformation, operational excellence, and financial growth in the banking, microfinance, and fintech industries, Irina Kraycheva is a seasoned financial executive, fintech leader, and strategic visionary. Irina is renowned for her proficiency in risk management, corporate leadership, and strategic financial management. She has been instrumental in forming financial institutions and assisting them in navigating intricate market environments.
 

          Irina currently holds the position of Chief Executive Officer at LuteCredit Bulgaria, where she has effectively guided the business from its inception to emerging as one of the country's top fintech MFIs. Lutecredit has established itself as a major force in the financial services industry under her direction thanks to its impressive financial growth, operational effectiveness, and regulatory competence. Her responsibilities include risk management, financial supervision, strategic direction, and cultivating a high-performing corporate culture that places an emphasis on innovation and customer-focused solutions.
 

          Along with her executive leadership positions, Irina works at Kayan Consultancy as an Expert in Strategic Financial Management, offering top tier advising services to companies looking to maximize their operational effectiveness, investment choices, and financial strategies. She assists businesses in improving their financial performance, reducing risks, and achieving long-term growth in fiercely competitive markets through her consulting work.
 

          Irina’s career is marked by a series of high-impact leadership roles across multiple financial institutions. As Country Manager of Mogo Bulgaria OOD, she spearheaded the company’s expansion strategy, revenue growth, and regulatory alignment, ensuring its competitive positioning in the market. Previously, as Deputy CEO and Board Member of PROFI CREDIT Bulgaria Ltd., she oversaw IT, Operations, and Collection Departments, driving operational efficiency and the successful execution of key corporate projects.
 

          Her international experience includes her time as the Director of the Collection Department at PROFIREAL OOD in Russia, where she established a strong debt recovery and collection system that included field collection networks and call centers, guaranteeing both long-term economic growth and financial stability. During her time as PROFI CREDIT Bulgaria's Director of Product Management, she was instrumental in creating cutting-edge underwriting techniques, loan administration frameworks, and credit risk approaches that maximized the company's financial portfolio.
 

          Irina’s career began in banking, where she held project management and treasury roles at HVB Bank. As a Project Manager, she led major financial transformation initiatives, including the successful IBAN migration for multiple Bulgarian banks and the implementation of cross-border payment and treasury management systems. Her experience in treasury back-office operations further solidified her expertise in financial risk management and operational controls.
 

          In a constantly changing market, Irina continues to propel financial excellence and strategic growth with a leadership philosophy focused on empowerment, innovation, and stakeholder value creation. She has become a respected leader in the financial and fintech industries thanks to her ability to manage regulatory complexity, develop high- performance teams, and implement innovative initiatives.