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Kaloyan Tonchev is the Chief Financial Officer at Paynetics since October 2018. Prior to this role, he held the position of CFO at Phos and phyre from October 2018 to November 2021. With a background in finance and accounting, Kaloyan also worked as an Investment Analyst and Manager Business Services at INNIMMO Investment Managers & Advisers. Additionally, he served as the CFO at Micro Credit AD. Kaloyan has experience as an Investment Consultant and Accountant in a freelance capacity. He started his career as an intern at various companies such as the Bulgarian Stock Exchange, UniCredit Bulbank, and Alcomet AD. He holds a Bachelor's degree in Finance and Accounting from the University of National and World Economy, along with additional certifications from the Investment Banking Institute and Telerik Academy.