FOR 14 YEARS WE HAVE BEEN A LEADING AND TRUSTED PARTNER WHO ACTIVELY RESHAPES THE DEBT MANAGEMENT SECTOR

Success requires trust

About us


Debt Collection Agency EAD (DCA) is a dynamically growing company with extensive experience in the purchase and management of non-performing loans in Bulgaria.
The company is registered as a financial institution with the Bulgarian National Bank and is a member of the Receivables Management Association.
In its activities DCA applies all legal requirements and observes high standards and ethical norms. We aim to be synonymous with professionalism, trust, responsibility, balance and solution.

Agility


We strive to gain new knowledge and grow. We develop constantly, adapt fast and effectively to the changing surroundings and the needs of our partners. We focus on solutions, not problems.

Integrity


We adhere to the highest ethical norms and aim to do the right thing in all situations. We stand up for what we believe is right and speak out when we see violations. We are honest, accountable and dedicated even when faced with challenges. Integrity is the foundation on which we build trust with partners and clients.

Diversity


We believe that differences, inclusion, and diversity in terms of culture and work environment are assets. We value and respect people with different backgrounds and experience. We create a company culture where everyone is welcome.

Excellence


We always do our best and encourage our colleagues to do the same. We manage change and challenge ourselves constantly in search of the best solutions. Technology and digitalization are our priority, we aim to increase efficiency and promote innovation.

Responsibility


We are committed to society. We follow the rules. We are responsible for our actions.

MILESTONES

2010

Establishment of Debt Collection Agency EAD (DCA) in Bulgaria

2011

Listed as a financial institution in the register of BNB

2013

Establishment of Debt Collection Agency Srl (DCA) in Romania

2016

Norwegian B2Holding acquires DCA Bulgaria and DCA Romania

2017

DCA becomes market leader (in terms of assets) among the debt purchasing companies

2018

DCA doubles its assets and asserts its leading position on the debt purchasing market

2019

Building a self-service platform for clients with payment functionality

2020

Integrating chat functionalities, rescheduling applications through the online platform for people affected by COVID-19, online request for certificates for current debt and repaid debt

2021

Continuing on with the automation of internal processes by integrating new robots

2022

Implementation of a proprietary specialized software for debt processing and management

2023

DCA Management AD is the new owner of DCA

BOARD OF DIRECTORS

Zornitsa Bankina

CEO and Member of the Board of Directors

Holds the position of CEO and is a member of the Board of directors since July 2024 after 8 years as Director of “Business Development” in DCA. Manager with over 20 years of experience in finance and receivables management, software systems integration, marketing and sales, project management. She has a master’s degree in Human resources, management and leadership from Higher School of Insurance and Finance and a bachelor’s degree in Automation, information and control technology from University of Food Technology – Plovdiv.

Dimitar Bonchev

Chairman of the Board of Directors

Dimitar Bonchev has been a member of the Board of Directors in Debt Collection Agency EAD (DCA) since August 2023. He has over 18 years of experience in receivables management, 15 of which in various management positions in leading companies in the sector, including Deputy CEO and CEO in DCA in the period 2019 – 2021. In the company he joined in 2013 and was part of its transformation that preceded the successful acquisition by Norway’s B2Holding in 2016. He has a degree in financial management and marketing.

Dragomir Milkov

CEO and Member of the Board of Directors

Dragomir Milkov holds the position of CEO and member of the Board of directors in Debt Collection Agency EAD (DCA) since the beginning of July 2024. He has extensive managerial and operational experience in a number of debt collection companies on the Bulgarian market. In the management, he is a representative of DCA Management, the company-majority shareholder in DCA. Dragomir Milkov is an economist, he has a bachelor’s degree in Business Administration and a specialization in Business Communications from Varna Free University “Chernorizets Hrabar”.

14 years of experience
533 thousand debts
1.71 billion BGN portfolio
179 employees