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Biliana Horozova has extensive experience in loan administration and corporate banking. Biliana started their career as a Loan Officer at DSK Bank in 2000. In 2002, they joined Postbank (Eurobank Bulgaria AD) where they held various roles such as Head of Corporate Loan Administration Department and Business Center Manager. Biliana'sresponsibilities included managing loan administration processes, ensuring compliance with regulations, and collaborating with other departments to improve procedures. In 2017, they joined Bulgarian American Credit Bank as Head of the Loan Administration Department, where they continued to oversee loan operations and lead a team. Biliana also prepared reports for management and regulatory institutions, conducted risk assessments, and worked on internal audit projects.

Biliana Horozova has a Master's degree in International Business/Trade/Commerce from D. A. Tsenov Academy of Economics, which they obtained from 1995 to 2000. Biliana also has a Qualification in Law from the University of National and World Economy, which they obtained between 2013 and 2015. In addition to their formal education, they have obtained certifications in "Aktualni problemi na obligatsionnoto pravo" from Expert Events in February 2019 and "Development as a Leader" from Harvard Business School in December 2010.