Tzvetanka Mintcheva started her career as a trainee in UniCredit in 2001, in Retail Division of Bulbank Bulgaria, moving through a wide range of roles during her early years, from various execution and managerial functions within the Retail network and Head Office team. Since 2007 Tzvetanka has been involved in the coordination and development of alternative distribution channels, being recognized for her significant contribution and the introduction of innovations in Retail and other areas of the bank. 

In September 2013, she was appointed as a Head of Retail Division, and a Member of the Management Board.

In 2017 she was appointed as a Head of Global Banking Services Division within UniCredit Bulbank successfully implementing multiple strategic and transformation projects.

From March 2020 till June 2021 she holds the position of Deputy CEO of UniCredit Bank Romania. Tzvetanka Mintcheva has a degree in economics and an MBA in international business from MIB School of Management in Italy.

Since September 2021 she holds the position of CEO and Chairperson of the Management Board of UniCredit Bulbank.

Since September 2021 she is a member of the Management Board of the Council of Women in Business in Bulgaria and in June 2022 she was elected Chairperson of the MB of the organization.

In March 2022, Tsvetanka Mincheva was appinted as a Deputy Chairperson of the Management Board of the Association of Banks in Bulgaria.

In 2023 Tzvetanka Mintcheva was named Manager of the Year 2023 at the 16th edition of the competition for top managerial achievements.