Country Manager

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.

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.

Javier Pimentel

SVP Legal & Compliance

Javier, SVP Legal & Compliance, handles all the legal and regulatory aspects of the business, ranging from the regulatory authorization processes in all new markets to the protection of the group's IP portfolio.  He is what you could call a full-stack counsel with a strong background of consulting and advising companies in highly regulated industries (and several jurisdictions) on the whole array of legal and regulatory aspects that pertain to critical aspects of their businesses. In particular, he has a strong background and is very passionate about the intersection between Law, Finance and Technology.   He holds a Master of Law and Business double degree from Hamburg's own Bucerius Law School and WHU Otto Beishem School of Management.

Kristin Merk

Senior HR Manager

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.

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.

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.

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.

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.

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.

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.

Ashish Kohli

SVP Business Division India

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.

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.

Lavinia Meyer

Senior HR Manager People Development & Internal Communications

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.

Garreth Benton

Head of IT Security

Dana Vogt

VP Capital Markets & Investor Relations

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.

Konstantinos Papakonstantinou

Senior Vice President Data Science

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.

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.    

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.

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.  

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.

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.

Wilhelm Hamilton

VP Business Development

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.

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.

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).

Izabela Kochanska

Head of Sales and Marketing Poland

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.

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).

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.

Amit Siwal

VP LaaS Product

Dana Vogt

VP Capital Markets and Investor Relations

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.

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!

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.

Krzysztof Komosa

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.

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.

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.

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. 

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.

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.

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.

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.

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.

Todd Simmermann


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."

Yoko Kaluza

Country Manager Spain

Yoko originally was responsible for all marketing and communication activies in Spain, creating and implementing cross-channel marketing strategies for our product portfolio. In 2017 she was promoted to VP Country Management Spain. 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 and has proven capabilities to be a great country manager. 

Mario Shiliashki

Board Member

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.

Slav Nakov

Head of Credit Law

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.

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.

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.

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.