Haralampi (Harry) Mishkov, MSc, ACICM

Haralampi (Harry) Mishkov, MSc, ACICM

Credit Manager I Swiss Master in Finance Holder

Currently employed at UCB

Previous: UCB, ProCredit Bank (ProCredit Holding AG), Raiffeisen Bank (Raiffeisen International Bank Holding AG), International University College - an affiliate of University of Portsmouth, UniCredit Corporate and Investment Banking (HypoVereinsbank AG), Vivacom


Previous: University Of Neuchatel, University Of Lausane, University Of Geneva, University Of Portsmouth



    Multilingual, financial management professional with 9 + years progressive professional experience in Financial Analysis, Credit Risk Management and Order-to-Cash (O2C) within the pharmaceutical, banking and telecom sectors. Supervise a internationally outsourced team of 7 finance executives for the last 6 years. Proven track record in value creation, continuous improvement and exceeding stakeholders’ expecations within matrix organisations. Leaded/participated in various outsourcing, business transformation and project management activities. Experienced in developing comprehensive credit risk models, creating credit policies and procedures, structuring complex credit facilities, preparing financial projections, and corporate credit ratings. Proficient in English, very good working knowledge in German and French, understanding of Russian and Macedonian and a native language - Bulgarian. Last 8 years living and working in Switzerland, worked in Germany, studied in England, grew-up and worked in Eastern Europe. EU National and Swiss Permanent Resident.



Account Receivable Manager - Credit Risk Management, EMEA


From March 2015 to Present
UCB is global biopharma focused on severe diseases with operations in approximately 40 countries and global revenue of € 3.3 billion in 2014. In this role I supervise the Account Receivables and Credit Risk Management activities in collaboration with a team of 7 AR associates for all UCB European...
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Account Receivables EU Export Management


From 2013 to 2015
Principal achievements: > Managed the decrease of the Overdue/Account receivables ratio for the global AR portfolio I was responsible to 0.5% as of 31.12.2014 > Initiated the outsourcing of 3 additional activities to outsourced teams working for UCB O2C value stream >Achieved to improve further...
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Credit & Collection Specialist / Receivables EU Export


From 2012 to 2015
Principal achievements: >Developed a tailored comprehensive corporate credit scoring model using an extended set of qualitative and quantitative indicators >Ensured the smooth transition of the credit and collection activities for 4 European pharma export entities to Switzerland

University Of Neuchatel, University Of Lausane, University Of Geneva, Neuchâtel

Master, Financial Analysis

From September 2010 to June 2012
Joint Master programme of University of Neuchatel, Lausanne and Geneva. Swiss Government Scholarship holder. One of the three Bulgarians chosen for attending a Master's program in Switzerland in 2010-2011. Covered courses: Financial Accounting, Econometrics, Derivatives, Asset Pricing, Economic...
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Credit Risk - Business Lending

At ProCredit Bank (ProCredit Holding AG)

From 2009 to 2010
April 2010 - August 2010 - Head Office >Undertook risk assessment analysis of various types of business lending proposals (incl. Working capital limits, Investment loans, Trade finance facilities) that are considered exceptions and / or are beyond the limits of the lending centres. >Made...
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Lecturer - Financial Analysis (part-time)

At International University College - an affiliate of University of Portsmouth

From 2008 to 2009
>Created and conducted an innovative 2-semester extracurricular course in Financial Analysis for undergraduate (Year 3 & Year 4) students. >The main topics included: Business analysis, Profitability analysis, Efficiency analysis, Liquidity analysis, Solvency analysis, Cash Flow Analysis, Financial...
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Financial Analyst - Corporate Risk

At Raiffeisen Bank (Raiffeisen International Bank Holding AG)

From 2008 to 2009
>Prepared the full-scale financial analysis (profitability, efficiency, solvency, liquidity) of ~35 groups of corporate credit customers operating in Bulgaria (mainly subsidiaries of MNCs) for the needs of Raiffeisen International Group's Headquarters in Vienna, Austria. >Participated in the...
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University Of Portsmouth, Potsmouth

BA Hons, International Finance and Trade , University of Portsmouth

From 2004 to 2008
First Class Degree with Distinction (graduated among the first 10%)

Corporate Finance Intern

At UniCredit Corporate and Investment Banking (HypoVereinsbank AG)

>Researched and analysing markets and companies. >Supported company valuations e.g. Merger and Acquisition transaction analysis. >Participated in compilation of pitchbooks, management presentations, company profiles, discussion papers, etc. >Helped project teams with other aspects of executing...
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Credit Specialist

At Vivacom

From 2006 to 2007
>Handled credit checks for consumer customers. >Set Credit Limits in line with the credit policy. >Contacted overdue customers in order to receive payment. >Reviewed accounts that have reached their credit limits.


  • Analyse financière
  • Corporate finance
  • Credit Analyst
  • Financial Analyst

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Centres d'intérêt

  • Culture
  • Fine art
  • International travel
  • Networking
  • Tennis