Kristyan Hristov

Sr Director, Product Specialists Leader, PayPal

Kristiyan Hristov is Sr Director Product Specialist Sales Americas at PayPal and is responsible for driving solution selling and commercial execution across BNPL, Branded Checkout, Agentic, Education. He works closely with cross-functional partners across product, marketing, and sales to translate product innovation into measurable business outcomes for merchants and consumers. Kristiyan is a fintech industry veteran with 16+ years of experience. Prior to PayPal, he served as Head of Go-to-Market at Affirm, where he led end-to-end GTM strategy across merchant and consumer. His work contributed to growing the Affirm Card from 50,000 to 1.4 million active consumers, scaling Affirm's marketplace business achieving 48% year-over-year growth, and he launched key products including Affirm on Apple Pay, Affirm Pay in 2 and Pay in 30 and Affirm's entry into the UK market. Before Affirm, Kristiyan spent nearly nine years at Mastercard in a series of senior roles, most notably scaling Mastercard Installments across five global markets in under 12 months and securing partnerships with Apple. He also led Mastercard's Digital Enablement strategy globally and ran Start Path North America, Mastercard's flagship startup engagement program. Over his career, Kristiyan has built a strong track record of launching high-impact products, building world-class GTM teams, and driving growth at the intersection of payments, lending, and digital commerce.

Speaking At: