Who we are

Sebastian Diemer and Alexander Graubner-Müller founded Kreditech in 2012 and have been leading the company as CEO and CTO ever since. What started with 2 guys, 1 vision and 0 EUR in their own capital has grown into a global corporation turning their vision into the banking standard of tomorrow.

Background pirates

Sebastian Diemer

CEO

Sebastian built Kreditech based on his vision of building a digital bank that replaces traditional brick and mortar banks. Sebastian is an expert in growth management, company building, internationalization, big data and the global fintech sector. He has previously held a management position at Rocket Internet and led Gigalocal as its CEO. Sebastian holds a degree in management and strategy from the London School of Economics.
Sebastian Diemer

Alexander Graubner-Müller

CTO

Since an early age, Alexander has been obsessed by computers and engineering, always trying to find real-live challenges which he can solve by technology. Starting in academia, Alexander lead various research projects on big data applications and developed quant trading algorithms at a hedgefund fund prior to joining Rocket Internet, were he was in charge of engineering and product management for various portfolio companies. He studied at the University of St. Gallen as well as at the Swiss Institute of Technology (ETH Zürich) and holds dual BSC degrees.
Alexander Graubner-Müller

Rene Griemens

CFO

Rene, CFO of Kreditech, brings in his financial and entrepreneurial expertise from 20 years of experience in the banking sector in addition to 15 years of experience in building companies. He previously worked for top-notch companies across Europe such as McKinsey & Company, Citibank, dooyoo Group, and IEG Investment Banking. With his background in corporate finance and strategic management he leads the global financial strategy of Kreditech.
Rene Griemens
Top 3 nationalities

Samir El-Alami

CMO

Samir El-Alami believes in pragmatism, logic, hard work and unicorns. He is experienced in building and managing marketing teams within high growth international startups over the past six years. Entrepreneurial at heart, he has co-founded several affiliate websites and an agency. In his spare time Samir is an avid artist, guitar player, martial artist and reader. He studied Archaeology at University mostly because it was interesting.  
Samir El-Alami

Jose Garcia Moreno-Torres

CDO

Jose Garcia Moreno-Torres, CDO at Kreditech holds a PhD in Artificial Intelligence and has been an invaluable member of the Kreditech team since April 2013. He oversees all data-driven modelling and automated decision making. When given enough data, he can see into the future!
Jose Garcia Moreno-Torres

Andrew Shaw

CIO

Andrew, CIO of Kreditech, is overseeing Biz Dev and Operations. He previously worked in the New Business Development department at Macquarie Bank after graduating from the London School of Economics. His origins lie in South Africa, which means he learned how to surf and play rugby before he learned how to walk.
Andrew Shaw
Average age

Oliver Prill

COO

Oliver, the COO at Kreditech, has spent the better part of his life in top management positions for some of the biggest companies in banking and financial consultancy industries such as C&A Bank and The Royal Bank of Scotland. He brings to the table an inclusive leadership style, as well as extensive wholesale and retail financial services expertise. Oliver received his Ph.D. in Economics from the University of Oxford.
Oliver Prill

Anders Johnsen

Head of Country Management (SVP)

Anders, Head of Country Management, has been an entrepreneur for most of his life and has held numerous leadership roles within companies such as Rocket Internet, Groupon and Airbnb. He holds a BCom from UNISA and spends his spare time practicing mixed martial arts.
Anders Johnsen

Javier Pimentel

Head of Legal (SVP)

Javier, the Head of Legal, handles all the legal and regulatory aspects of the business, ranging from the licensing processes in all new markets to the protection of the group's IP portfolio. He is very passionate about the intersection between Law and Technology and speaks in the language of Law 2.0.
Javier Pimentel
Background conservatives

Ricardo Vidal

Head of Product Management (SVP)

Ricardo Vidal, Head of Product Management at Kreditech, has 15 years of hands-on experience in product development and Internet technologies. For the past six years he has focused his career on product management, and has worked at some of the best companies in their respective industries ranging from medical technology to renewable energy. Ricardo is originally from Portugal, and in his free time loves to travel the world; so far he has visited around 50 countries.
Ricardo Vidal

Lennart Boerner

Strategy & Special Operations (SVP)

Lennart is SVP Strategy & Special Operations, taking care of the group's positioning as the leading digital consumer finance provider. Before joining Kreditech, he helped restructuring, selling and integrating a German mid-cap bank. Lennart also worked in diverse financial institutions where he was involved in strategy development and investment banking. He holds a BSc from European Business School, Oestrich-Winkel and a MSc Finance from the University of St Andrews.
Lennart Boerner

Christian Miele

Head of Internationalization (SVP)

Christian Miele, Head of Internationalization, manages Kreditech’s global expansion initiatives. He started his career at a VC fund, then became a Director at Rocket Internet and thereafter gained valuable experience as an entrepreneur as the Founder & MD of his own venture backed company. Being a tech enthusiast, Christian is an Executive Board Member of the German Startup Association e.V. He holds a B.A. in International Business from Cologne Business School.
Christian Miele
Conservatives and Pirates
for an ideal combination

Tomas Marty

LATAM Regional Manager (VP)

Tomas, the Regional Manager for Latin America, has shown that he is not only a go-getter but also a talented leader of his team. Having worked for both Argentine banks and the multinational management consulting firm Accenture, he has both demonstrated and proved that he has the skill set to manage Kreditech’s biggest operational continent. Tomas studied Economics and Business Administration at Pontifical Catholic University of Argentina in Buenos Aires.
Tomas Marty

Ruth Azzopardi

Head of Payments (VP)

Ruth, the Head of Payment Operations, has been with Kreditech since the very beginning. Starting in 2012 she now oversees payment processing and works closely with our Customer Care team to improve our services in the best ways possible. Ruth holds a Bsc. in Finance and Banking from the University of Malta.
Ruth Azzopardi

Thomas Antonioli

Head of Corporate Finance (VP)

Thomas is Head of Corporate Finance and responsible for M&A, investor relations, as well as equity- and debt-related topics. Prior to joining Kreditech, he served as Assistant Vice President in the M&A Advisory division of Commerzbank AG in London and Frankfurt. Thomas holds a diploma in Business and Economics from the University of Hamburg, as well as an MBA from INSEAD Business School.
Thomas Antonioli
40% women

Sebastian Ranzinger

Head of Business Intelligence (VP)

Sebastian is the Head of Business Intelligence at Kreditech. Having previously worked for Deloitte and Experteer, Sebastian brings years of analytical experience in fast paced working environments. He’s responsible for structuring and analyzing vast amounts of data in order to ensure that all future business decisions are good decisions. Sebastian holds a Bsc. in Statistics from the Ludwig-Maximilian University in Munich.
Sebastian Ranzinger

Jonas Höflich

Head of Controlling (VP)

Jonas is the Head of Controlling and with more than 10 years of experience in the fields of banking and business consulting, he brings all the necessary qualifications and much more. Jonas received his diploma in economics from the University of Osnabrück. In his free time he enjoys football, diving and hiking.
Jonas Höflich

Danilo Falcão

Head of Infrastructure (VP)

Danilo Falcão is an experienced Unix Systems Administrator that has been designing, planning and improving networks and other systems' infrastructure for over 10 years. He worked for some of the biggest tech companies in Europe like Blackberry, Rocket Internet and Zerogrey. Danilo studied Information Technologies at Faculdade de Tecnologia e Ciencias and his hobbies include music, movies and new technologies.
Danilo Falcão
40 nationalities

Liuben Siarov

Head of Research & Development (VP)

Liuben joined Kreditech in April 2013 and co-developed the machine learning algorithms and prediction infrastructure at our technological heart. Now leading our R&D team, he guides the evolution of our industry leading scoring and risk management / asset allocation engines. Liuben holds a Ph.D. in Sociology and an M.Sc. in Finance. He is a geek, gamer, and above all – a dad.
Liuben Siarov

Alexander Korotkikh

Head of Engineering (VP)

Alexander is the Head of Engineering and has accumulated valuable experience from a variety of software companies leading up to his tenure at Kreditech. He is primarily responsible for managing software engineering. Alex received his Master’s degree in Computer Science and System Engineering from Kharkiv National University of Radio and Electronics.
Alexander Korotkikh

Béatrice Castillon

Head of Office Management (VP)

Beatrice is the Head of Office Management and the Executive Assistant at Kreditech. She is a native of Hamburg and the main person in charge to make sure that Kreditech’s office equipment keeps running like a well-oiled machine. In her spare time harmony and good group dynamics are essential too: Béatrice sings along with 45 people in a choir named “Cantaloop” which specializes in A cappella, pop, jazz and soul music.
Béatrice Castillon
220 employees

Alexander Schneekloth

Head of Online Marketing (VP)

Alexander is the Head of Online Marketing and he brings with him over five years of experience in various internet companies and a deep knowledge of the latest marketing strategies. Having already held a variety of management positions, Alexander knows all the ins and outs of the business and has his finger on pulse of the newest emerging trends in the field. He studied Marketing Communications at Medienschule Hamburg-Wandsbek.
Alexander Schneekloth

Anna Friedrich

Head of Communications (VP)

Anna is Kreditech’s Head of Communications. She brings eight years of working experience in start-up communications, investor relations and event management, especially the Next Conference. Specialized in the online industry with a widespread network of journalists and influencers, Anna also has hands-on knowledge in Social Media and Community Management. She received her Master’s degree in Media Practice with focus on Public Relations from the University of Sydney.
Anna Friedrich

Anne Martens

Head of HR (VP)

Anne, the Head of HR, joined the team in September 2014 and oversees all employee and recruiting-based operations. She previously headed the HR & Services department at etruvian Group and was also the Project Manager for E-recruiting & Employer Branding at Cyquest GmbH. Anne is fluent in four languages, has a diploma in Psychology from the University of Bremen and a European Master in Industrial Relations. In her spare time she enjoys cooking, photography and Tango Argentino.
Anne Martens