Country Manager

Aljona Kharina

Lead Product Manager

Aljona joined Kreditech in 2014 as a Quality Assurance Engineer. She made notable contributions to several mobile projects and the MonedoNow team. She then became Lead Product Manager at the beginning of 2016, working with the Customer Service and Collection teams. Aljona attended a Computer Science Lyceum, after which she went to the Kharkiv Polytechnic Institute, graduating with a bachelor’s degree in engineering with a specialty in electro-mechanics. She would later further her studies at the Kharkiv National Pedagogical University. Aljona values teamwork and is enjoying the opportunity to be professionally involved in interesting projects at Kreditech that add value to people’s lives.

Anna Friedrich

Head of Communications

Anna is Kreditech’s Head of Communications. She brings eight years of working experience in start-up communications, brand PR and Investor Relations. 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. At Kreditech, Anna is responsible for the complete external as well as internal communications as well as for the Kreditech branding. She received her Master’s degree in Media Practice with focus on Public Relations from the University of Sydney.

Gustavo Romero

Country Manager Mexico

Gustavo, Country Manager for Mexico, takes care of the development and growth of Kreditech in the Mexican market. He oversees commercial, operations, debt collection, and customer service. Before joining Kreditech, he held a management position at Deutsche Bank Mexico, being responsible for financial controlling and regulatory oversight, and headed the finance department at Flag Tech Mexico as its CFO – a business incubator for sustainable and innovative tech projects. He is an expert in strategy, financial planning, cost management, legal compliance and corporate finance. He holds two Bacherlor’s degrees in Accounting and Business Administration, from ITAM and a Master’s degree in Finance from Instituto de Empresa (IE).

Azamat Erikov

Lead Data Enrichment

Azamat holds the position of Lead Data Enrichment. He joined Kreditech in September 2013 as a Business Development Intern. Currently, he is responsible for all data sources at the company. Azamat has a dual Bachelor's degree in Economics and Mathematics from the American University in Bulgaria and a Master of Science degree in Economics from the University of Konstanz, Germany. This polyglot speaks Kyrgyz, Russian, English, Turkish, Bulgarian and German.

Andy Golding

Independent Board Member

Andy Golding has over 30 years’ experience in financial services and is currently the CEO of OneSavings Bank PLC in the UK. Andy has held senior positions at NatWest, John Charcol and Bradford & Bingley. Prior to joining OneSavings Bank he was the CEO of Saffron Building Society, where he had been since 2004. He holds a number of positions with industry institutions and is a Director of the Building Societies Trust. Andy is passionate about simplicity and fairness in financial services and is a published author on the subject of financial education.

Anna Kushnarenko

Lead Operations Russia

Anna is responsible for all operational activities in Russia. She manages the communication and strategy development with all external providers and takes part in all internal processes and their improvments. She joined Kreditech as the first employee in the Moscow Office in January 2015. Prior she was leading the Russian subsidary of a German startup. Anna has broad experience in consumer finance, startups, desruptive technologies as well as marketing research. She graduated from the Manchester Business School with MSc in Innovation Management and Enterprenership with honour and also holds a degree in Economic Theory.

Yaroslav Skorik

Lead SEM and Display Russia

Yaroslav is responsible for the Russian SEM and display management. He is doing ongoing optimization and campaign expansion in Yandex Direct and Google Adwords, constantly improving the KPIs. He is also responsible for other CPC and CPM placements. Yaroslav has 5 years of experience in search engine marketing, having worked 3 years as a PPC-specialist in a UK digital agency and gained 2 years of experience as a head of digital marketing. He holds a Master's degree in Applied Mathematics and Computer Science from the South Ural State University and is a Google-certified specialist.

Eva Bakicova

Business Intelligence Analyst

Eva joined Kreditech in 2014 as an intern focusing on Czech business development in Hamburg. She quickly transited to a full time position as Debt Collection Manager that same year. When the team moved to Prague, Eva remained in Hamburg and joined the business intelligence department. Today, she is a Business Intelligence Analyst responsible for operational and marketing reporting. She is a graduate of the University of Economics, Bratislava where she obtained a master diploma in Economic Diplomacy.

Tomek [Tomasz] Strejczek

SVP Engineering and Technology

Tomek is responsible for Kreditech's architecture and setting the IT strategy. As Deputy IT Director he built from scratch the full stack of banking products at mBank. This included insurance and lending products for consumers and businesses, acquiring and serving over 4,5 million customers in three countries. Also, he was partner at Accenture’s Engineering and Development Practice Area in CEE. Despite having been in senior leadership engineering positions for more than a decade, Tomek remains an active developer still writing and contributing code to his teams.

Ryley Kleinschmidt

Senior Manager Strategy and Business Development

Ryley helps develop the group’s commercial partnerships and the continued product to market fit across all geographies. As part of the Strategy Team he is also involved in all market expansion and the company's strategic direction. Before joining Kreditech, Ryley was working as a Project Manager in Brisbane, Australia - where is also originally from. He holds an MBA from Bond University in Australia which included a semester at one of Germany’s top Business Schools, EBS Oestrich-Winkel.

Wiebke Treimer

Expert Human Resources

Wiebke is responsible for the Human Resources controlling as well as compensation & benefits. She is also part of the compensation committee of the company. Before joining Kreditech in 2014 she gaineid work experience in international HR in Malaysia. She graduated with a BSc in International Tourism Management with a minor in Human Resource Management from the West Coast University of Applied Science in Heide, Germany. 

Jessie Valverde Tantaruna

Business Development

"The reason why I like working at Kreditech is that it's a great opportunity to develop as an international professional. Growth, innovation and creativity - these are the values of the company."

Krzysztof Komosa

Interim Country Manager Poland

Krzysztof has an extensive background in PL consumer finance. He most recently held senior management positions at Cetelem and Sygma Bank. He also has deep partnership experience, which is particularly helpful as we anticipate an increase in Poland’s involvement in our partnership business. Krzysztof’s broad participation in the industry includes managing the creation and realization of business models from acquisition through x-sell and upsell. He organized the sales and product strategies in projects like getting a Polish banking license for French Cetelem expansion, mergers of Cetelem Bank with Sygma Bank and BGŻ BNP Paribas. Krzysztof holds a Master’s degree from the University of Gdańsk, Poland.

Kristina Khachikyan

Team Lead for Collection Russia

Kristina takes care of the Collection processes in Russia, managing a team of DCAs, as well as working with external partners to reach maximum collection efficiency. She has over 5 years experience in retail banking as a Underwriter and Collection Lead; additionally, she established risk and underwriting criteria for a German startup that was launched in Russia in 2014. She holds a degree in International Economy.

Carlo Restelli

SVP Underwriting

Carlo is responsible for one of the core actions of Kreditech’s daily operations - loan underwriting. A valuable member of the data science department, he is experienced in developing data mining software and confidently handles and analyzes datasets of any size and shape. Carlo holds a degree in IT from University of Milano-Bicocca and is a graduate of the Data Science Retreat in Berlin.

Rene Griemens


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.

Dr. Dariusz Gafka

SVP Finance

Dariusz is responsible for sub-ledger accounting dedicated for loans book defining the accounting treatment for all products, processes and events related to lending. His main goal is to enhance accounting raw data quality to increase transparency to enable the timely reporting to many stakeholders and supporting the business with reliable data for decision making. Before joining Kreditech he occupied senior finance, operational and risk management positions (20 years) in banking, leasing and other financial services, automotive distribution and fleet management. He has gained experience in international corporations’ environment while working in Poland, Ukraine, Japan and Switzerland before. He delivered successful due diligence finished with sale (acquisition and exit) of the multimillion EUR entities. He holds Ph.D. in electronics from Polish Academy of Sciences and he is ACCA Fellow trained by EY and Due Diligence Certified by Moody's.

Pedro Vera Martinez

Expert Legal Counsel

Pedro is responsible for the regulatory and compliance activities of the Latin American subsidiaries with special focus on Mexico. He supports the Kreditech Group with global intellectual property, commercial transactions and corporate law matters. He has broad experience as a corporate and tax lawyer in Mexico both in the private and public sector and in business management as the former Country Manager for Mexico at Kreditech. He holds a Law Degree and a Master's Degree in Law and Business from Bucerius Law School and WHU - Otto Beisheim School of Management.

Yoko Kaluza

Head of Marketing Spain

Yoko oversees all marketing and communication activies in Spain, creating and implementing cross-channel marketing strategies for our product portfolio. She has extensive experience in online and offline performance marketing, having designed the marketing strategy for big companies in the E-commerce, Retail, Finance and Travel sector.

Marina Guzeva

Lead Affiliate and Partnerships Russia

Marina manages the affiliate channel performance in Russia to meet and exceed loan issuing targets within CPA constraints. She drives B2B partnership development by sourcing, negotiating and closing contracts with new and established partners. She is responsible for achieving the KPI goals (CPA and issuing volumes). Marina has 5 years of experience in advertising agencies (Artics Internet Solutions, Ogilvy and Mather). She previously worked in the affiliate network CityADS.

Peter Yordan

Board Member

Peter Yordan is an investor with J.C. Flowers & Co., a leading global investment firm focused on the financial services sector.  He has spent his career at JCF focused on banking, insurance, and alternative financial services and helps lead JCF’s European fintech investment practice.  In addition to Kreditech, Mr. Yordan serves on the board of Chi-X and OneLife on behalf of JCF.  He received his undergraduate degree from Middlebury College in the United States and received his MBA from the Wharton School at the University of Pennsylvania.  

Sebastian Diemer


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.

Javier Pimentel

SVP Legal & Compliance

Javier, SVP Legal & Compliance, 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.

Luz Karime Lagos Diaz

Senior Associate Collection Spain

Luz is a Senior Associate in the Collection department and part of Kreditech since July 2015. She is responsible for solving issues affecting the recovery process. She brings experinces in the fields of Debt Recovery and Customer Support, having managed the Collection strategies for the customer service team of Rocket Internet.

João Mikos

Head of Infrastructure

João is a seasoned IT professional with extensive experience in developing enterprise applications. He is in charge of more than 300 servers and has truly brought Kreditech’s architecture to the next level. Prior to Kreditech, João worked as a software and enterprise architect in the technology department of HSBC both in London and Curitiba. He studied Computer Science at the Federal University of Paraná.

Tim Fröhle

Senior IT Risk Manager

Tim is a certified expert in ISMS implementation and establishing Business Continuity Management Systems. He is Kreditech’s Senior IT Risk Manager and holds a Bachelor of Arts degree in economics and law from the college of cooperative education (Berufsakademie) Schleswig-Holstein, Germany. Tim brings along a wealth of experience in leading international projects with Over-The-Top (OTT) players. He considers IT Security to be an integral part of his DNA. Under Tim’s guidance, company employees are regularly conducted through mandatory Cyber Security Awareness training.

Ruth Azzopardi

Head of Payments

Ruth, 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.

Piotr Włodarek

CTO, Kontomatik

Piotr is the CTO of our subsidiary Kontomatik. He has been developing software since mid-90's. As a former programmer at CERN, Piotr now specialises in Blockchain technologies for distributed consensus, software craftsmanship and security in the software layer. Piotr is leading a talented team of programmers at Kontomatik. He is a Computer Science graduate of Warsaw University of Technology.

Alexander Graubner-Müller


Alexander Graubner-Müller believes in algorithms and statistical data as the blocks for the next Industrial Revolution. Having led the tech-side of Kreditech as CTO for three years, he took over the CEO responsibilities in mid-November 2015. Prior to Kreditech’s founding, Alexander co-founded and sold the prediction-market engine PredictX. Before he managed engineering and product development at Rocket Internet. Prior to that, he worked as a financial engineer together with the research team at LGT Capital Management where he developed quantitative portfolio allocation strategies. He completed his studies at the University of St. Gallen and the Swiss Institute of Technology with a dual degree in Business and Econometrics.

Ankit Gupta

Head of CRM Technology

Ankit handles CRM strategy and marketing communication across lending products. He has 10 years of experience working across roles. He has donned the hats of a programmer, business analyst, product manager and growth hacker. He built the in-house personalised communication platform for Myntra - Indian's biggest fashion e-retailer, three e-commerce websites - Satvikshop, Gitanjalishop and Nokia.indiatimes for India's biggest publisher, Times of India. Ankit also improved the content discovery algorithm for Gaana - India's version of Spotify - and founded online grocery store Rede Needs in 2009. At Kreditech, Ankit is working on communication 2.0 which will be personalised to user lifecycle stage and requirements across online and offline channels. He holds a MBA from ICFAI Business school, Hyderabad and an Engineering degree from UP Technical University.

Pilar Cecilia Pérez

Lead SEO Spain

Pilar is responsible for executing the SEO strategy for the different Spanish brands. She optimizes the websites to get maximum exposure on search engines through different SEO techniques. She has several years of experience in off-page and on-page SEO, having worked in highly competitive sectors such as financial services, education, and large ecommerce sites. She holds a degree in Journalism and a MA in International Communications from the City University of London.

Dirk Thaysen

Lead Design

Dirk joined Kreditech in January 2015. As Lead Designer, he is responsible for the UX and UI of our installment product Monedo Now. Prior to joining Kreditech, Dirk held leading positions as Creative Director at TEQUILA, an agency part of the TBWA network. Also, he has worked as a Freelance Consultant for many years and so brings in a fresh and broad perspective on design matters. He received his Design Diploma from the Hamburg Academy of Arts (HTK). Before he discovered his passion for arts, Dirk was an insurance salesman.

Luigi Aron

Lead Software Engineer

As Lead Software Engineer, Luigi is responsible for internal & automation tools for data extradition. A tech person by nature, Luigi worked for Rocket Internet and Larcobaleno in Berlin before joining Kreditech. He is a self-taught expert and studied Graphic Design at Tibiscus University of Timişoara.

Stefan Kreiling

VP Payments

Stefan is responsible for the areas of payment strategy, payment processing, vendor sourcing and vendor management. He has more than 13 years of E-Commerce experience, which he gained in companies such as Google, PayPal and Western Union. Prior to joining Kreditech Stefan has worked in a variety of areas such as compliance/AML, risk management, operations, customer service and product management as well as product marketing. He holds a German Diploma in Business Administration and a Bachelor from Dublin Business School in Business Studies.

Pavlo Polyakov

Pavlo is an Expert Software Engineer and currently leads the MonedoNow Mexico technical team. Since 2013 Pavlo has been working for Kreditech. In his first position, he was a PHP developer for the microloan offer and helped create the basis for all existing Monedo products. In 2015 he relocated to Kreditech’s headquarters in Hamburg. He holds a Masters degree in Computer Science from the Kharkiv State Economics University.

Sven Weizenegger

SVP Security

Sven oversees all cybersecurity-related topics at Kreditech. Prior to joining the company, he worked for 13 years in enterprise securities at the Deutsche Telekom. His profound understanding of cyberspace lends him unique insights into the development of the company’s security architecture.

Diego Vélazquez

Head of Product

Diego, Product Manager for Mexico, focuses on one thing: creating the best and most innovative fintech product that adapts to the Mexican and Latin American market needs. Before joining Kreditech, Diego worked for the KfW Development Bank in Germany. Also, he was a consultant for HSBC Corporate and Retail Banking in Mexico and Latin America, allowing him to get experience in both emerging and developed markets. Diego holds a double degree in Business and Economics from the University of Applied Sciences in Münster and the UCEL in Argentina.

Béatrice Castillon

Head of Office Management

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.

Jose Garcia Moreno-Torres


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!

Martin Lostak

Head of Sales & Marketing Czech Republic

Martin, Head of Sales and Marketing, manages all marketing and communication activies in the Czech market with the main focus on performance online marketing and acquisition of new customers. He has many years of experience in different senior marketing and communication roles from large companies like banks to ecommerce startups. He holds a degree in Journalism and Digital from the University of Brno in Masaryk.

Sandra de la Rosa Sanchez

Lead Operations Spain

Sandra oversees the operational area of the Spanish market. Having joined Kreditech in 2013, before the market was launched, she was one of the first in the Spanish team and has since then managed areas like PR and Social Media, Customer Care and Debt Collection. Her main goals include improving the current workflows, optimizing providers costs and searching for new opportunities for the growth of the market. She studied Communications and holds a Master's degree in Economics.

Katarzyna Davies

Country Manager Poland

Kasia, Country Manager for Poland, is responsible for the development and growth of the Polish market. She has over 15 years experience in strategy, product development and marketing in e-commerce field. Prior to joining Kreditech, she was instrumental in several start-ups such as Unibet, as well as Novum Bank. Kasia combines e-commerce savvy, online marketing expertise with a dedication to customer care to deliver online solutions that consistently improve the business.

Tomas Marty

Country Manager Spain

Tomas Marty is the Country Manager for Kreditech Spain. Previously the Regional Manager for Latin America, he has demonstrated that he's not only a go-getter but also a talented team leader. He worked for Argentine banks as well as Accenture and now manages one of Kreditech’s biggest operational countries. Tomas studied Economics and Business Administration at Pontifical Catholic University of Argentina in Buenos Aires.

Oliver Prill


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

Shivani Gaba

Quality Assurance Engineer

Shivani moved from India to join Kreditech in September of 2016. She is a Quality Assurance Engineer with over three years of experience in the field of software engineering. Shivani’s core responsibility currently involves testing the Monedo Mexico environment. She holds a Bachelor’s degree in Information Technology from Bharati Vidyapeeth's College of Engineering, Delhi. Her favourite things to do are travelling and meeting new people.

Konstantinos Papakonstantinou

VP Data Science Analytics

Konstantinos has a proven track record of managing projects and teams in high tech and fintech organizations. At Kreditech, he built from ground up and is currently directing the "Data Science Lab", a multidisciplinary and multifunctional team that researches and applies data-driven solutions to all business areas. His ability to transform predictions into business decisions and subsequently into actions has been indispensable for the company. Konstantinos holds a MSc in Electrical Engineering from the University of Southern California and a PhD in Statistical Signal Processing from Telecom ParisTech.

Sara Brown

VP Product

Having joined the Company in 2014, Sara quickly progressed to Head of Product for our newest products. She is passionate about using Kreditech's cutting-edge technology to create a great user experience. Working with other major partners in the financial sector, she is responsible for taking the company's products to the next level. Sara comes from a background in Accounting and ventured internationally in search of fintech game changers. She holds a BBus and MPAcc from Southern Cross University in Australia.

Dmitry Selivanov

Country Manager Russia

Dmitry oversees the development of strategic and operational plans as Country Manager for the Russian market. Having plenty of experience in finances and business processes, his goals are to improve the current customer service, optimize costs and internal processes and launching new products in the Russian market. Previously, Dmitry worked in the major russian retail banks, including Sberbank. He graduated with honors from the Russian University of Economics named after G.V. Plekhanov with a Master’s degree in Finance.

Jakub Skrabanek

Country Manager Czech Republic

Jakub is responsible for the development and growth of the Czech market. Having joined Kreditech in 2012, he grew with the company almost from the beginning. He started as a working student and intern and later became the Country Manager for Czech Republic.

Priya Maniam

Human Resources Manager

Priya is responsible for the recruitment and employer branding functions at Kreditech, overseeing both the operational and strategic aspects. She brings with her international recruitment experience with a focus in technical recruiting. She graduated with a BSc in Psychology from the University of Otago.

Teresa Cid Blasco

Head of Data Protection Law & Senior Legal Counsel

Teresa handles the legal and regulatory matters concerning data protection, technology and cyber security. She has been tasked with taking Kreditech's data protection practices to the next level by devising and implementing state-of-the-art self-regulation that is sensitive to commercial needs but also safeguards the privacy interests of Kreditech's customers around the world. She is excited to have her first experience working at a startup after previously working at a leading international Law firm.

Jakub Strba

Jakub is responsible for all Collection activities in Czech Republic. He develops internal processes and manages cooperations with external partners to provide maximum efficiency. Before Kreditech, he worked for a few years in the banking environment and as a police investigator of economic criminality. He holds a Master in History from the Silesian University in Opava.

Przemyslaw [Przemek] Sroka

VP Engineering

Przemek has a strong background in business and technology consulting in the area of Financial Services. Prior to joining Kreditech, he worked for IBM and Accenture, leading mid-sized development team He is a Computer Science graduate of University of Science and Technology in Cracow (AGH).

Bartek [Bartłomiej] Andrzej Wyszyńsk

SVP Product

In his career, Bartek has been involved in the interactive industry since the turn of the century. Having started as a journalist specialising in interactive advertising, he then became Creative Director and CCO for the brand agency Artegence. After that as EVP of Efigence, a technology specialist in financial markets, he was responsible for strategy, research, UIUX, motion design and supported the business development. He brings in 21 years of experience in digital banking platforms for leading instituations like Mbank, Idea Bank, Alior Bank, Emirates NBD and Nordea. For over 8 years he has been a board member of Kontomatik which is a subsidiary of the Kreditech Group since 2015.

Darina Glushchenko

Online Marketing Manager

Darina takes care of the customer acquisition and marketing activities for the Monedo Digital Wallet across all markets. She gained significant marketing experience having worked in different companies from large banks to small startups. She holds a BA degree in International Economics from Altay State Technical University and a MA in International Business and Economics degree from Schmalkalden University of Applied Sciences.

Lucian Manolescu

VP Collection

Lucian oversees all collection-related topics at Kreditech. He has spent the last 15 years heading debt collection activities in telecommunications, banking and nonbanking financial institutions, working for companies such as Vodafone, Cetelem and Royal Bank of Scotland. His expertise in constructing and developing collection activity has become an invaluable asset for the company. He holds a Master’s degree in Finance and Banking from the Bucharest Academy of Economic Studies.

Andrea Canal

Product Marketing Manager

Andrea is our Product Marketing Manager for the Monedo Digital Account for all markets. She joined Kreditech in 2014 as the first Marketing Trainee in the company. She has grown since then demonstrating team work, passion and knowledge. Andrea gained marketing experience working in various companies and mainly during her work at L'Oréal Spain where she was supporting the Branding department. Andrea holds a Masters in Business Administration and Management from the Deusto Business School and a MA in International Marketing by the European Business School of London.

Laura Hreniucu

Senior Software Engineer

Laura is a witty Senior Software Engineer. She joined Kreditech in May 2015 as a NodeJS developer and then quickly advanced up the professional ladder. Prior to joining our company, she worked as a developer for over 5 years, during which time she acquired valuable experience in over 7 programming languages. Working with both back-end and front-end technologies has helped her become quite the polyglot programmer. Laura graduated with a Bachelor of Informatics and then a Masters in Medical Informatics Systems. Both degrees she received from Politehnica University of Timisoara, Romania.

Michael Lenora

Independent Chairman of the Board

In his role as Independent Chairman, Michael is responsible for organizing and coordinating the board’s activities. He drives alignment between members of the board; facilitating the dialogue between shareholders and management. Michael brings more than 30 years of experience within the financial services industry. He has a wealth of expertise and knowledge both in the direct consumer lending and credit card space. Michael served as CEO of Vanquis Bank (a financial services company of the Provident Financial Group) from 2007 until his retirement in 2016. Established in 2003, Vanquis Bank offers credit cards to UK residents with limited or uneven credit history - a business with many parallels to Kreditech. Prior to joining Vanquis Bank, Michael worked in senior management positions at Barclaycard International, Goldman Sachs and Citi / Associates First Capital Corporation. Alongside his professional career, Michael founded a charity called Hatua to support schooling and education in Africa for which he frequently spends time in Kenya and Uganda.

Corin Pop

Lead Designer

Since joining Kreditech more than two years ago, Corin has worked on multiple design projects focsuing on the product side of the business and is today in charge for the Monedo Now brand in Mexico. He graduated in design from the University of Art and Design in Cluj-Napoca, Romania. During his first work experience he focused digital and offset printing and parallel to that freelanced for other web designing projects.

Andrei Pop

Lead Designer

Andrei Pop is a geeky licensed Product Designer, born and raised in the heart of Transylvania. Andrei graduated University of Art and Design in Cluj-Napoca, branch Design. Besides the design diploma he also holds one as a teacher in Fine Arts, Design and Drawing. He built his first company in Romania as Interior Designer. After leaving Pixellent Agency in Hamburg, Germany he continued to work as Art Director for, where he built the biggest chess platform in the world. In autumn 2014 he joined Kreditech. Amongst his responsibilities lie conceptualisation, UX, wireframes and relaunching of a diversity of product brands. Today he is in charge of the design for all Monedo Partnership projects. Andrei believes in "Progressive Design Innovation" and that it needs to have a good cause for evolution of human-nature society.

Olga Litvinets

Lead SEO Russia

Olga is responsible for executing the SEO strategy for Russian products. She optimizes the websites in Yandex and Google to get the maximum exposure on search engines. She is also responsible for SMM strategies and Public Relations. She has 5 years of experience in off-page and on-page SEO, having worked as a SEO-specialist, and 2 years as a Chief Search Marketing Officer in the largest Russian SEO agency. She is a specialist in linguistics (Minsk State Linguistic University), a Google-certified specialist and holds a Master’s degree in Philosophy at the Moscow State University, having defended her thesis on Technical Evolution and Big Data Ethics.

David Altundag

Head of Accounting

David is the Head of Accounting at Kreditech, which allows him to use his broad experience gathered during years in a number of  industries. Having worked for the media conglomerate Bertelsmann AG and co-lead an extremely successful start-up, his accounting expertise has become a cornerstone of Kreditech’s daily operations. David graduated in Business Studies from the University of Applied Sciences in Bremen and the University of Granada in Spain.    

Karl Rogers Müller

Senior Network Administrator

Karl joined Kreditech in January of 2016 as a Senior Network Administrator. His expertise is crucial towards ensuring all issues related to network and connectivity are functioning optimally. Karl has formerly worked for Siemens, Damovo and BRF (Brasil Foods), from which he brings years of experience and a fresh perspective on handling challenges. He holds a Bachelor's Degree in Electronics Engineering as well as a degree in Music Education. When not immersed in the world of network engineering and troubleshooting problems, Karl enjoys his free time with family and also doing music.

Oscar Rodriguez

Head of Collection Spain

Oscar is a Psychologist and oversees all Collection activities and the Team Development in Spain. He also manages the process of outsourcing with debt recovery partners and the sale of receivables. Before joining Kreditech, Oscar worked for Accenture as Debt Collection Lead, being responsible of transiltion delivery (Offshoring). He has more than 10 years experience in Bussiness Process Outsourcing, effectively creating, developing, and consolidating several financial services for leading companies worldwide.

Ivan Tereshchenkov

Expert Software Engineer

Ivan brings in more than nine years of technical and leadership skill development in the field of software engineering. Since 2014, he has been working for Kreditech. He kicked off his career as a senior PHP developer in Kharkiv, Ukraine. Since then he has worked on multiple projects, starting from Kredito24, Zaimo mobile project and the MonedoNow product. Ivan holds a Master’s degree in Computer Science from Kharkiv National Aerospace University. He is particularly motivated by those who are doing incredible things to change the world we live in.

Marion Kählke

VP Human Resources

Marion Kählke believes that our employees at Kreditech are Kreditech´s most valuable asset. As VP of Human Resources she leads the global HR strategy and operations of Kreditech. Marion brings in more than 20 years of HR experience in the technology industry. She has previously helped international small as well as large technology growth companies build and develop their  people foundation and talent pool. Marion holds an MBA from Golden Gate University, San Francisco, and graduated in Business Administration from the Munich University of Applied Sciences.

Thomas Antonioli

VP Corporate Finance

Thomas is Vice President 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.

Marcin Truszel

Founder and CEO, Kontomatik

Marcin is CEO and Founder of the Kreditech subsidiary Kontomatik. Marcin's started Kontomatik as a personal finance management application. It has since grown into a fully fledged tool that changes the world of banking as we know it. Before founding his own company, Marcin was the CTO of Artegence, one of the best interactive agencies in Poland. He has MA degree in Computer Science from University of Warsaw.

David Silva

VP Business Intelligence

David joined the company as a Data Warehouse Engineer and quickly stepped up to VP Business Intelligence (BI) position. He is responsible for managing key BI projects including the development of marketing reporting procedures, along with product and operations related integrations. David worked in various leadership positions at telecommunications companies such as Vodacom South Africa, Safaricom Kenya, Vodafone Turkey and Mobinil Egypt before his employment at Kreditech. He holds a Master’s degree in Information Systems Management from the School of Business Sciences in Setubal.

Liuben Siarov

SVP Data Science Risk

Liuben joined Kreditech in April 2013 and co-developed the machine learning algorithms and prediction infrastructure at our technological heart. As scientist and executive he specializes in the design and development of autonomous prediction systems. He leads Kreditech's Data Science team and is hence responsible for 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.

David Blumberg

Board Member

David is the Managing Partner of Blumberg Capital. David has been investing in early stage technology companies for more than 24 years. His current investment focus includes Digital Media, Social Media, Mobility, SaaS/Technology Enabled Services and Internet.

Till Kothe

SVP Technology

Till joined Kreditech in August 2014. Since December 2015 in the newly created role as SVP Technology, he runs Kreditech’s Technology Office. There he is responsible for aligning IT strategy, governance and architecture with strategic business goals. Prior to this, Till designed and built business solutions as Senior Business Architect, always with the focus to generate sustainable business value. Before Kreditech, Till worked as a freelance project manager and interim CTO for incubators and startups. He started his professional career as IT and Management Consultant at Deloitte Consulting in the Financial Services Industry. Till holds a diploma in Computer Science from the University of Hamburg.

Stefan Fink

Head of Group Controlling

Stefan heads the Controlling team focusing to provide reliable as well as value-adding analysis of financial information to key stakeholders of the Kreditech business. In this regard, he wants to build and maintain a Controlling team which aims to continuously support the commercial decision process, provide substantial risk analysis and perform cost planning as well as subsequent tracking. Before joining Kreditech, Stefan has worked for Ernst & Young as an auditor of financial statements and as a team leader for Barclaycard in the Financial Control department predominantly assuring the preparation of accurate financial statements and their analysis versus the company's budget. He completed his diploma in Business Administration in 2006.

Mariia Bykova

Head of Product

Mariia is responsible for the development of Kreditech's central loan product, Monedo Now, creating the innovative online fintech product using the best technologies and adapting it for Polish and Spanish markets. Before joining Kreditech Mariia was working for a German fintech company creating an online wallet and payment system. Her background study is Intellectual Systems of Making Decisions in Computer Science.

Manfred Krikke

Board Member

Manfred Krikke is a partner of HPE Growth Capital and has over 20 years of investment banking, operating and private equity investment experience in the technology sector.  He spent 16 years working in the US, primarily in Silicon Valley, during which time, he helped raise over $2 Billion for technology growth companies in over 30 transactions, including 15 IPOs.  HPE is a leading private equity investment firms focused on technology growth companies in Northern Europe.

Jorge Franco Villa

Lead SEM and Display Spain

Jorge takes care of the paid customer acquisition for all loan products in Spain. He brings vast marketing experience to the table having worked in different sectors like insurance, gaming, and retail, both on the client and agency side. He holds a BA degree in Business from Basque Country University.

Lennart Boerner

SVP Strategy & Business Development

Lennart, SVP Strategy & Business Development, is 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.

Jarosław Piotrowski

Business Development Director, Kontomatik

Jarosław Piotrowski is Business Development Director of Kontomatik, Kreditech's subsidiary company. He ensures that everything runs smoothly on an operational level as well as in the field of international expansion. Having started his career at corporate banking division of Credit Agricole, Jarosław then got involved in a startup community by organising various events and helping start-ups grow. He holds M.A. in Finance and Accounting from Warsaw School of Economics.

Ángel Vargas

CRM Manager

A passionate online marketeer, Ángel is responsible for internal marketing campaigns across all countries. Having joined Kreditech as Online Marketing Trainee in 2014, he then took care of the Spanish affiliate market as Junior Manager before moving to CRM. Ángel holds a BSc and MSc in Economics from the University of Alcalá de Henares as well as a Masters in Marketing from Charles III University of Madrid.

Max Isaykin

Head of Marketing Russia

Max is responsible for all marketing and communication activities in Russia. He has extensive experience in developing and implementing strategies in both online and offline marketing for ecommerce retail, finance and IT companies. Prior to joining Kreditech he successfully introduced and steered marketing of Lamoda (biggest ecommerce fashion retailer in CIS, by Rocket Internet) - in Kazakhstan, Ukraine and Belarus. He holds a Bachelor's degree in Economics from National Research University Higher School of Economics and Master's in International Business from St. Petersburg University Graduate School of Management.

Alin Achim

Lead System Administrator

Alin Achim joined Kreditech in May of 2015. Initially team Lead in the IT Support department, he later progressed to the position of Lead System Administrator. He is in charge of the entire IT infrastructure, multiple company systems, software deployments and access management. His background in Electronics and Electrotechnics feeds his hobbies of building drones and a ‘smart home’ system. Alin is from Romania and was born in the beautiful city of Timisoara. He speaks English and German - the latter he learnt from watching TV.

Michal Panowicz


Michal Panowicz joined Kreditech as CPO in September 2016. His responsibilities include managing the Product teams as well as the technology department. Panowicz is known as “a digital frontrunner in banking” bringing nearly 20 years of proven track-record in financial services and technology. A major success in Panowicz’s career was a complete digital transformation of the 3rd largest bank in Poland – mBank – and growing it to one of the most recognized brands in financial innovation worldwide. Directly prior to joining Kreditech, Panowicz was SVP & Deputy Head of Digital Banking at Nordea where he staged the roadmap and execution platform for new digital channels of the Group. His earlier experiences include leadership positions at Microsoft, eBay, The Boston Consulting Group and serving as Independent Director on supervisory board of the Polish startup bank – Alior Bank. He holds an MBA from Harvard Business School and an MA in Finance and Banking from SGH Warsaw School of Economics.