Trifon Grudev was elected as Chairman of the Board of Directors of "Pension Assurance Company - Future" JSC at the end of 2011.

He has many years of experience in the field of insurance, security, commercial, civil, and criminal law. He is a member of the Sofia Bar Association.

He holds a master's degree in law from UNWE (University of National and World Economy).

He speaks English and Russian.

In 2003, Andrey Shotov was elected as the Executive Director of "DZI-Pension Insurance" JSC, which was renamed to "Pension Assurance Company - Future" JSC in 2007.

He holds a master's degree from the Higher Institute of Economics "Karl Marx" (now the University of National and World Economy, UNWE) with a specialty in "Management of APP".

His career began with commercial activities in "Himimport" JSC, after which he continued in "BEP-Koskor" Ltd and "Global Sports Statistics Bulgaria" Ltd, where he held various management positions.

Andrey Shotov led the team of "Pension Assurance Company - Future" JSC, which was the first in the sector to integrate Evrotrust technology and digitalize the service of insured individuals with an updated mobile application and digital platform.

He speaks German.

 Todor Lilov joined POD-Budeshte AD in early 2024 as Chief Operating Officer, and as of August 2024 he has assumed the position of Chief Executive Officer and Member of the Board of Directors. 

He has extensive experience in the fields of marketing and sales, gained through many years in senior management roles at leading companies. At Tesy, he served as Commercial Director, while at POK Doverie he led the sales function as Sales Director. 

Mr. Lilov holds a Master’s degree in Business Administration and a Bachelor’s degree in Marketing Management from the University of Economics – Varna. 

He is fluent in English and Russian. 

 Lyubomir Mutafchiev joined POD-Budeshte AD in 2019 as Head of the Risk Management Function. In December 2024, he was elected as an Independent Member of the Board of Directors of POD-Budeshte AD. 

He has extensive professional experience in the fields of banking and finance, having served as Corporate Banking Manager at UniCredit Bulbank AD and CIBANK EAD, as well as Risk Manager for Corporate Clients at CIBANK EAD. He has also worked as an Internal Auditor for European Union programmes and funds at the Agency for State Financial Inspection (ASFI). 

Mr. Mutafchiev holds a Bachelor’s degree in Accounting and Control and a Master’s degree in Finance from the University of National and World Economy (UNWE). He also holds a Master of Business Administration (MBA) from IE Business School, Madrid. 

He is a Certified Independent Appraiser of business enterprises and receivables, as well as real estate, accredited by the Chamber of Independent Appraisers in Bulgaria (CIAB). 

He is fluent in English. 

 

Minko Gerdjikov holds a Master’s degree in Finance and Credit from the Karl Marx Higher Institute of Economics (now the University of National and World Economy – UNWE). 

His professional career includes senior leadership positions in both the public and private sectors. He has served as Deputy Minister of Trade, Deputy Mayor, and Acting Mayor of the Municipality of Sofia. 

Following his tenure in municipal government, he became Chief Executive Officer of the Greek Business Council in Bulgaria. From 2014 to 2019, he was a Member of the Board of Directors of Piraeus Bank. Since 2020, he has been a Member of the Management Board of PFC Levski (Sofia). 

Since December 2023, Mr. Gerdzhikov has been an Independent Member of the Supervisory Board of Postbank (Eurobank Bulgaria AD). 

Maya Urumova joined "Pension Assurance Company - Future" AD as Financial Director at the beginning of 2019. She has accumulated experience as a chief accountant and financial director in various fields such as trade, services, and construction. Before joining "Pension Assurance Company - Future " AD, she was the chief accountant for another pension assurance company.

She has completed a master's degree in "Finance and Credit."

She speaks Slovak and has proficiency in English.

 

Milena Gergova joined POD-Budeshte AD in April 2024 as Sales Manager, and as of August 2024 she has assumed the position of Commercial Director. 

She has 19 years of professional experience in the field of supplementary pension insurance, with a strong focus on sales. Prior to joining POD-Budeshte AD, she worked at POK Doverie AD and POK Saglasie AD. 

Ms. Gergova holds a Master’s degree in Accounting and Control from the D. A. Tsenov Academy of Economics, Svishtov. 

Iva Naumova joined the team of "Pension Assurance Company - Future" JSC as Legal Consultant in January 2012. She has over 15 years of professional experience in the field of insurance and social security law, commercial law, EU law, mergers and acquisitions, and has consulted insurance, reinsurance, and public companies.

She holds a Master's degree in Law from Sofia University "Kliment Ohridski" and a Master's degree in "Law and Policies of the European Union" from the University of Bordeaux IV Montesquieu, France.

She is fluent in English and French.

Tsvetomir Kalchev joined "Pension Assurance Company - Future" JSC as Director of "Information Systems" in October 2018. Before that, he had over 17 years of experience in the field of information technology in several pension insurance companies, where he held both expert and directorial positions.

He holds a bachelor's degree from the Faculty of Mathematics and Informatics at Sofia University.

He is fluent in English.

Mihaela Vasileva joined the team of "POD-Budeshte" JSC in 2019 as the Head of the "Internal Control" function. 

She holds a master's degree in the specialty "Economic and Financial Control" and a bachelor's degree in "Insurance and Social Affairs" with a specialization in "Actuarial" from SA "D. A. Tsenov - town of Svishtov. She has many years of experience in the field of supplementary pension insurance, including as an employee of the Financial Supervision Commission. She participated in a number of national courses and seminars related to the supervision of financial institutions and internal control.

She speaks English, uses Russian.