Hristina Toshkova
Overview
20
20
years of professional experience
Work History
Senior Financial Analyst, Financial&Risk Analytics
Federal Housing Finance Agency
08.2021 - Current
Head of Unit, Innovation Lab/Digitalization
European Investment Fund (EIF)
02.2019 - 08.2021
- Created the EIF Innovation Lab (iLab) and defined its modus operandi.
- Researched and summarized the growing products and technology solution areas (Artificial Intelligence, Big Data/Analytics/Data Science, Cloud Computing, IoT, Blockchain, Low-code, VR/AR, etc.).
- Performed technology offerings deep-dives (technical evaluations), analyzed alternatives, compared vendor offerings and tested the technologies with EIF-specific use cases. Based on initial iLab’s test results, proceed with a formal Proof of Concept (POC).
- Led approved POCs by managing all phases of the projects, including consulting with clients, developing research/project plans, data collection, analysis, vendor management, strategic advisory and final product delivery.
- Led the design and development of end-to-end digital solutions using Agile methodology and design thinking. Managed cross-functional large scale projects to ensure delivery of technology solutions in accordance with business standards.
- Followed trends in innovation, digital transformation and fintech to leverage new developments and enhance business solutions and processes. Facilitated knowledge sharing and collaboration on digitalization to promote cross-departmental culture of innovation.
- Built and maintained external relationships with peers, as well as with industry bodies, vendors and technology analysts with a view to learn and create synergies, and to position the EIF as an active player in innovation and digital transformation.
- Effectively communicated technical concepts to senior management.
- Managed, trained and hired junior and senior multidisciplinary and multicultural staff.
Head of Portfolio Analytics Unit, Debt Products
European Investment Fund
03.2016 - 02.2019
- Provided thought leadership by setting up the team's annual research and analytics agenda and led and oversaw the team towards the plan's execution.
- Identified and leveraged appropriate analytical methods and existing data to develop robust quantitative models and analytical insights to support organization's business initiatives. Proactively monitored and reported on EIF's debt business and policy performance to assess and steer the execution of the corporate business strategy and respective operational plan.
- Directed the business and policy assessment of new products and mandate/programs in line with EIF's overall strategy and development plan. Evaluated the alignment of policy objectives and portfolio policy composition.
- Steered the creation of self-service automated tools for multiple counterparts (Sales, Risk, SP&A, Accounting, etc.) to help with business development, valuation and risk assessment of business segments, cash-flow projections, deal allocation to efficiently utilize capital.
- Provided clear and insightful analytical and modeling results and interpretation by preparing written materials and oral presentations to stakeholders and senior management.
- Managed, trained and hired junior and senior multidisciplinary and multicultural staff.
Senior Economist & Manager, Chief Economist Office
Fannie Mae
02.2011 - 03.2016
- Managed a team of analysts by assigning projects, providing guidance, monitoring progress and checking output.
- Conducted wide variety of research and analyses for chief economist and vice president on current trends in real estate, financial markets and changes in regulatory environment.
- Reviewed economic releases on daily basis and incorporated relevant updates in senior management talking point and presentations to Board of Directors and regulators, including Federal Reserve and FHFA.
- Used American Housing Survey, American Community Survey, Survey of Consumer Finance microdata, and HMDA to examine underlying trends and write research articles on relevant and timely topics.
- Guided development of lender-level relational database (named ULAP) incorporating data from 11 different external data sources (ex.HMDA, CoreLogic's Marketrac, Fannie Mae, Freddie Mac, FHA, etc.).
- Used ULAP to analyze past lender behavior, determine lenders' market share, evaluate counterparty risk, monitor new developments in mortgage market, and estimate retained-on-book portfolio of major banks.
- Led company's regulator communications, research, reporting, forecasting and modeling efforts specific to affordable housing (Housing goals and Duty to serve).
- Used ARIMA to build time-series forecasting lending models to predict size by market category (purchase originations vs refinance activity).
- Served as Secretary for Corporate Home Price Forecast Committee and work with cross-divisional stakeholders to improve home price forecast model.
- Recruited, trained and managed staff.
Consultant/ Economist
REECON Advisors, Inc
07.2008 - 02.2010
- Conducted broad‐based economic research and prepared articles, digests, and reports for management, specialty publications and clients.
- Translated economic evidence-based findings into comprehensible narrative to communicate policy and project development.
- Used statistical models and analytical techniques to analyze data and information
- Developed and refined forecasts for areas affecting real estate market.
Economist
National Association of REALTORS, NAR
06.2001 - 06.2008
- Served as housing economist and produced monthly economic and housing reports for USA and major metro areas
- Monitored relevant policy issues and prepared briefings and policy reports to assist state associations in their lobbying efforts (ex. The Affordability and Availability of Homeowners Insurance in Florida)
- Tracked housing related stock prices for subprime lenders, big financial institutions, home builders, real estate brokers in order to analyze potential impact on economy and housing
- Worked with Data group to improve collection process of data as well as improve coverage for certain areas and increase number of data variables collected Financial Analysis & Reporting
- Directed 3-year $5 million budget planning process for division and presented budget to Chief Economist (budget was approved)
- Analyzed monthly financial results for all programs and prepared monthly analyses for internal groups to assist them in understanding their product portfolios performance
- Conducted profitability analyses and prepared monthly program variance explanations and monthly program forecasts
- Prepared pro-forma financials and competitive analysis segments of business plan for new venture Marketing & Business Development
- Prepared written proposals in response to clients, RFPs, and other solicitations, coordinating all information and preparing and delivering formal response
- Researched and mapped customer requirements in terms of products/services/solutions
- Scheduled, developed and presented formal sales presentations during face-to-face meetings with clients and/or prospects
Researched competitors' business models and product offerings and wrote competitor analyses - Managed divisional pricing strategy for whole portfolio of products
- Organized workshops and other events at National Annual Realtors convention and other conferences to promote Research department's products
- Prepared brochures and other marketing collateral material to use at department's booth at Trade shows
- Managed business development and marketing of data products including forecasting, analyses and data licensing
Education
Master's degree - Applied Economics
Johns Hopkins University
Washington, DC2006
Bachelor's degree - Economics
Truman State University
Kirksville, MO2001
Skills
Microsoft Office Suite, Power Query, Power Pivot, SAS, R, E-Views, STATA, SPSS, Anaconda Platform, Python, SQL, MS SQL Management Studio, Alteryx, Trifacta, Tableau, Business Objects, JIRA, Agile, Scrum, Confluence, Slack, Hyperion, Camunda, Outsystems, UNIX
Timeline
Senior Financial Analyst, Financial&Risk Analytics
Federal Housing Finance Agency
08.2021 - Current
Head of Unit, Innovation Lab/Digitalization
European Investment Fund (EIF)
02.2019 - 08.2021
Head of Portfolio Analytics Unit, Debt Products
European Investment Fund
03.2016 - 02.2019
Senior Economist & Manager, Chief Economist Office
Fannie Mae
02.2011 - 03.2016
Consultant/ Economist
REECON Advisors, Inc
07.2008 - 02.2010
Economist
National Association of REALTORS, NAR
06.2001 - 06.2008
Master's degree - Applied Economics
Johns Hopkins University
Bachelor's degree - Economics
Truman State University
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