Dimitrios Georgiou, Finance Expert in Athens, Central Athens, Greece
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Dimitrios Georgiou

Verified Expert  in Finance

Finance Expert

Location
Athens, Central Athens, Greece
Toptal Member Since
October 20, 2016

Dimitri conducted his first equity research at the age of 14, since then he has evaluated more than €1 billion of real estate assets and has raised ~€220,000 for his first startup. These experiences have endowed him with not only top skills, but also a holistic point of view. After seeing the financial system from the inside, he left ECB to become an entrepreneur and work on a variety of fascinating projects and remain constantly challenged.

Career Highlights

Banking Supervision Analyst
European Central Bank
Equity Analyst
Asian Equities Relative Return Fund
Analyst
SPDI Private Equity

Education Highlights

Master's Degree
University of Cambridge
Bachelor's Degree
Athens University of Economics and Business

Case Studies

Work Experience

Founder

2019 - PRESENT
Dishcover Tours
  • Founded Dishcover, an augmented reality mobile application that allows users to do self-guided tours at their own pace and travel through the history of a city bite by bite with customizable, interactive content.
  • Proceeded with secondary and primary research—gaining insights into the experiential tourism niche and calculating the market gap.
  • Developed the business plan and the strategy.
  • Built a high-profile team and closed business deals that led to launching in less than three months since the inception.
  • Received support from prestigious institutions such as the Embassy of the Netherlands in Athens and partnered with top professionals.
Focus areas: Financial Modeling, Business Development, Market Research, Business Planning

Freelance Finance Expert

2016 - PRESENT
Freelance
  • Assisted the CFO of software company on reconciliation and revenues/contracts analysis.
  • Performed venture financing research for a fintech startup (Switzerland-based).
  • Contributed financial analysis and planning for an e-health startup—leading to its acceptance from an incubator (Greece-based).
  • Developed business plans and market research for a business intelligence consulting firm in cooperation with the CEO (UK-based).
  • Conducted market research for a consulting firm (Canada-based).
  • Executed market and investment research for a real estate private equity focusing on the hotel market (US-based).
  • Worked on market research for an online retail site and suggested innovative growth strategies.
Focus areas: Business Planning, Venture Funding, Budgeting, Financial Planning & Analysis (FP&A), Market Research

Associate

2019 - 2020
Greek National Tourism Organization
  • Drafted the innovation and start up initiative of the organization, by proceeding thorough SWOT analysis, market research, and a best cases study.
  • Contributed to the first B2B workshop of the organization in Israel involving some of the most important Greek and Israeli tourism stakeholders.
  • Drafted the submission of the organization on ICT technologies and their impact on tourism and sustainability for the ITU Open Consultation in Geneva.
Focus areas: Business Analysis, Project Management, Research

Banking Supervision Analyst

2015 - 2016
European Central Bank
  • Evaluated the sustainability and profitability of a large Italian bank by analyzing its financial statements and business model.
  • Replicated the formulas measuring the business, capital, credit, and liquidity risks for the supervisory review and evaluation process by using back-testing and reverse engineering.
  • Wrote monitoring reports by analyzing complex data and legal documents related to non-performing and large exposures, liquidity, and credit risks.
  • Participated in the financial innovation study group regarding the use and impact of technologies such as the blockchain.
Focus areas: Financial Innovation, Legal, Compliance, Credit Risk, Treasury & Liquidity Management, Business Models, Financial Planning & Analysis (FP&A)

Business Analyst

2015 - 2015
i-teams
  • Selected to be one of a six-member team for the commercialization of a new ultra-compact cooler (Department of Physics, University of Cambridge).
  • Cooperated with post-graduate science students from four continents and a seasoned business angel.
  • Created a business opportunity evaluation framework for the members of the team with no business background.
  • Explored the opportunities of the invention in the area of quantum computing by conducting secondary and primary research.
  • Concluded that the inventors should look in a different area (semiconductors) and offered a recommendation on how they could adjust the invention based on the needs of the examined industry.
Focus areas: Focus Groups, Surveys, Primary Research, Investment Presentations, Market Sizing, Market Research

Equity Analyst

2014 - 2015
Asian Equities Relative Return Fund
  • Selected as an equity analyst of the Asian Equity RRF from the Committee of the Cambridge University Investment and Finance Society (a five-member real estate team).
  • Shortlisted a series of publicly traded property management properties from Singapore, Hong Kong, and China.
  • Picked Sun Hung Kai Properties and conducted a fundamental analysis and comparables valuation.
  • Outperformed the benchmark (Hang Seng) by 19%.
Focus areas: Investment Presentations, Market Research, Equity Research

Analyst

2013 - 2014
SPDI Private Equity
  • Cooperated with the CFO on the due diligence and valuation process for prospective projects that led to €20 million of property acquisitions in Southeast Europe.
  • Produced weekly, monthly, and quarterly reports, following thorough secondary and primary market research and analysis for the management and shareholders.
  • Participated in the due diligence process for the evaluation of a large portfolio of distressed properties.
  • Built a five-year budgeting model, following a merger with two other investment vehicles.
  • Developed the business model for the investigation of new market entry.
Focus areas: Market Entry, Focus Groups, Surveys, Primary Research, Pitch Presentations, Due Diligence, Market Research, Valuation, Budgeting, Mergers & Acquisitions (M&A)

President | Founder

2012 - 2013
AUEBS Investment and Finance Club
  • Used my leadership and interpersonal and organizational skills to establish the first student Investment and Finance Club in Greece.
  • Developed from the ground-up robust relationships with financial companies, such as the Hellenic Stock Exchange and PwC.
  • Launched a series of activities such as the student finance magazine Bubble and the Research Practicum where students were cooperating with companies in real-life, research projects.
  • Increased by 200% the initial membership, leading a team of 60.
Focus areas: Budgeting, Market Research, Communication

Fellow

2012 - 2013
Athens Entrepreneurship Hubs
  • Developed an innovative business concept in the hospitality industry that could boost up to six times the profits of an existing lodge; this directly led to my selection as a fellow at Athens Entrepreneurship Hubs.
  • Developed from scratch the business model.
  • Managed to raise €220,000 for its implementation.
Focus areas: Competitor Analysis & Profiling, Budgeting, Market Research, Pitch Presentations, Financial Planning & Analysis (FP&A), Business Planning

Business Analyst

2012 - 2012
Smeralda Consulting et Associati
  • Participated in the regional strategic planning of European grant programs for culture, tourism, real estate, and education.
  • Built the financial model (projections and capital structure) for a project in the alternative energy sector; which consequently was funded with a €800,000 loan.
  • Conducted research for a Bulgarian-Italian joint venture in social entrepreneurship.
  • Selected for the program "Erasmus for Young Entrepreneurs," based on an innovative business concept (software).
Focus areas: Customer Research, Fundraising, Financial Modeling, Financial Planning & Analysis (FP&A), Business Planning, Market Research

Research Analyst

2012 - 2012
SPDI Private Equity
  • Conducted research for real estate, political, and economic developments in South-East Europe.
  • Built a report with suggestions regarding new markets and opportunities.
  • Received an offer for a full-time position.
Focus areas: Market Entry, Comparable Company Analysis, Market Research

Junior Economic Analyst

2011 - 2011
Eurobank EFG
  • Analyzed data for the banking and fiscal sector in South-East Europe.
  • Published an analysis of Romania’s banking sector in the “New Europe: Economics and Strategy” edition.
  • Used databases such as Bloomberg and Ecowin Reuters.
  • Gathered statistics from the World Bank, IMF, Eurostat, OECD, and local institutions.
Focus areas: Databases, Data Analysis, Forecasting, Research

Financial Advisor

2010 - 2010
Focus Financial Services
  • Notified and consulted debtors of overdue liabilities.
  • Developed a personalized strategy and targets with them.
  • Exceeded the €60,000/month collection target (part-time).
Focus areas: Budgeting, Financial Planning & Analysis (FP&A)
2014 - 2015

Master's Degree in Finance

University of Cambridge - Cambridge, UK

2008 - 2012

Bachelor's Degree in Accounting and Finance

Athens University of Economics and Business - Athens, Greece

Finance

Market Research, Blockchain, Equity Research, Valuation, Financial Modeling, Forecasting, Financial Planning & Analysis (FP&A), Credit Risk, Budgeting, Data Analysis, Comparable Company Analysis, Fundraising, Venture Funding, Ratio Analysis, Mergers & Acquisitions (M&A), Due Diligence

Output Software

Microsoft Excel, Microsoft PowerPoint

Data & Analysis Software

Capital IQ, Bloomberg, Thomson Reuters

Industry Expertise

Hospitality, Financial Services, Real Estate, Banking & Finance, Non-performing Loans (NPL)

Geographic Expertise

Greece, Southern Europe, Ukraine, Czech Republic, Serbia, Romania, Bulgaria, Poland, Europe, Germany, China, Ethiopia, Italy, Eastern Europe, Montenegro

Other

Tourism, Market Sizing, Business Planning, Regulatory Compliance, Startups, Business Models, Treasury & Liquidity Management, Compliance, Legal, Pitch Presentations, Primary Research, Surveys, Focus Groups, Market Entry, Research, Databases, Competitor Analysis & Profiling, Customer Research, Communication, Investment Presentations, Business Development, Project Management, Financial Innovation, Business Analysis

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