“We want to build a financial world that benefits all, not just a few. To do so, we radically challenge the status quo in order to make finance fair and enjoyable.”
Florian worked in investment banking and wealth management for 15 years in various areas. He worked as Head Trading Corporate Bonds at UBS Investment Bank in Zurich and London and as Country Desk Head at UBS Wealth Management. Between the two jobs at UBS, he was Head of Sales Structured Products at ZKB. No wonder that he knows the needs of investors very well.
Florian holds a Master's degree in Economics from the University of Zurich.
Michel is our specialist in financial market regulation. He worked as legal counsel at UBS Investment Bank and as a structurer for private equity investments.
His greatest strength lies in implementing new ideas and structuring business processes. With his affinity for code and a good understanding of UI/UX and design, he is the right man for innovation and product development.
Michel studied law at the University of Zurich and is admitted to the Swiss Bar.
Nils has been working in software development for 20 years. After his first job as a developer at Minick Switzerland, he spent eight years as CTO at Run my Accounts AG.
LEND is the third startup where he brings his experience and advances the "tech" in fintech.
He has a degree in physics from ETH Zurich. He spends his summer holidays sailing in Sweden. In winter, you can meet him in POW on his splitboard.
Head Finance & HR
Magdalena has a good 20 years of experience in corporate banking, particularly in the credit, financing and risk business.
At LEND, she first worked as a Commercial Lending Specialist in credit analysis and origination of SME loans and mortgages. In the course of her fiduciary studies, she decided to change fronts and now looks after accounting, finance, operational risks and human resources at LEND.
She has a bachelor's degree in business administration, expanded her expertise with an MAS in corporate finance and completed a course for fiduciary expert.
Partner & Strategy
Stefan worked for 20 years as a strategy consultant at the strategy consulting firm "Oliver Wyman". As a partner, he founded the Wealth & Asset Management consulting business and led the business in Switzerland.
Today, Stefan is a fintech digital entrepreneur with a deep conviction that modern technologies combined with new business models will fundamentally transform the financial industry.
Stefan holds a PhD from the Graduate Institute in International Studies (Uni Geneva) and a Masters in Economics from the National University of Singapore. Stefan is a CFA charterholder and holds the Financial Risk Management (FRM) designation.
Head Commercial Lending & Real Estate
Roman is our expert for the SME business and is also active in the real estate sector.
He took his first steps at UBS (including project and leverage finance, New York). He moved to ABB with the desire to review and finance infrastructure projects.
In 2004, Roman co-founded a finance boutique for Caterpillar Inc. Responsible for strategic direction, risk, portfolio & operations, he later applied the same business model again at the investment bank Macquarie. Ignoring the change in the banking world, the longed-for inspiration came from the IPO of US Lending Group. First at the original crowdlender Cashare and now at LEND, Roman has found new inspiration.
Roman studied political science at the University of St. Gallen. He is a juror at Venture Kick and dabbles as a business angel in several startups. He loves adrenaline and believes he can still do many things as he once did. 25 forever!
Head Personal Lending
Tomi has several years of experience in consumer loans, leasing and credit cards. He worked for the market leader Cembra Money Bank AG as Branch Manager and as Head of Sales Training & Quality at Credaris.
At LEND, Tomi is able to use his qualities in sales and leads our team for personal loans.
Tomi graduated from the College of Marketing and Economics with a diploma in Digital Sales Management.
Data Science & Risk Modelling
Srividhya works as a Data Scientist to develop data-driven solutions for our risk models. She is also involved in what is called data wrangling, which supports marketing and reporting.
She holds a Bachelor's degree in Civil Engineering and has worked as a structural engineer for a few years before her interest in mathematics and data exploration made her switch streams to Data Science. Her areas of interest include Inferential Statistics, Machine Learning and Biostatistics.
Srividhya holds a Masters degree in Statistics from ETH Zurich and is excited to begin her professional journey in fintech. In her free time, she enjoys hiking and painting.
Senior Software Engineer
Luzi is an experienced software developer and holds a PhD in Computer Science from ETH Zurich.
With 10 years of experience as a programmer at Ergon, he has been bringing expertise in system architecture and programming work to LEND for several years, which is absolutely central to achieving the long-term goals as a fintech company.
Luzi is a big fan of Portugal and can often be found in the water after work, either swimming or riding the waves.
Junior Softwarer Enigneer
Dante is a prospective software developer and is studying part-time at the OST Rapperswil in the field of software engineering. With us, he develops on the front-end as well as the back-end.
He has been interested in computers since childhood and discovered a passion for programming and development during high school. After graduating from high school, Dante worked for 2 years in a dental laboratory as IT manager, where he acted as system administrator and support. In addition to small applications he developed, he also supervised the 3D printing of dental models.
As a balance to the computer screen, Dante can be found in the Black Forest on his motorbike or in the skate park with his board.
Atila is our collections specialist. His strength lies in assessing a debtor’s financial situation and finding a tailored solution. If a mutual agreement fails, he initiates legal proceedings, making use of his profound knowledge of the Swiss debt enforcement procedures.
After passing his matura, Atila got into the fintech sector and found his passion for debt collection in a London-based fintech company.
Atila is studying law at the University of Zurich. In his free time, he explores the Alpine passes on his motorbike.
Florian works for us in debt collection. He did an apprenticeship in sales, then completed the vocational baccalaureate and worked part-time in the commercial sector. While working in politics, he discovered his fascination for legal matters and decided to study law at the ZHAW School of Management and Law.
At weekends, Florian is a football referee and appreciates this change of pace.
Analyst Personal Lending
Blerim has a good 10 years of work experience in customer advisory services. He also brings a wide range of experience in finance and insurance. Blerim complements the team with his international experience and his Bachelor's degree in Business Administration with a focus on Banking & Finance.
He started his career in Switzerland with an insurance company, where he was able to deepen his knowledge in credit risk assessment and contracting. Due to his affinity for numbers and their interpretation, he successfully completed a further education course in accounting at the KV Business School Zurich.
Analyst Personal Lending
Hasan joined our team for analysing and granting personal loans. He originally completed a commercial apprenticeship with further training as a tourism specialist HF. However, he did not remain professionally connected with tourism and worked for many years in the credit card, leasing and insurance industry.
He brings along a broad experience in the areas of customer service, dunning, chargeback, fraud prevention and sales support and can put this to valuable use in analysing and granting personal loans - optimal expertise to make investment opportunities even safer for our investors.
Analyst Personal Lending
Vithi joined LEND to pursue his interest in credit risk analysis. After his apprenticeship as a commercial clerk in wholesale, Vithi ventured a change of industry: he got a taste of banking and was subsequently able to acquire valuable knowledge in the areas of underwriting and fraud prevention at a large credit card institute.
After a detour into a sales and support role, Vithi is now working with us in the analysis and granting of personal loans.
Specialist Commercial Lending
Elmar has gained extensive knowledge and many years of experience in the financing business and in the knowledge and many years of experience in the financing business and in investment investment advice for private and business clients.
At LEND, he is fascinated by the innovative financing of SMEs through crowdlending. Due to the digital approach of the lending business and the online distribution channel, he is challenged to identify good credit risks quickly and with a sure eye.
Elmar studied humanities at the University of Zurich and earned an MAS in Banking and Finance at the FHNW.
Specialist Real Estate
Harald started his career in the real estate world in Munich in 1993. Since then, the fascination for this industry has not let him go. He founded his first company just 2 years later together with a schoolmate. Over the years, his path led him through various areas of the real estate business in Germany, Italy and Switzerland.
Most recently, he worked for SwissLife and then for Raiffeisen Switzerland in a startup company. Harald supports us in all real estate matters.
When there is time, he enjoys traveling to Italy and Brazil with his family.
Finance & Payment Transactions
Ronny completed his apprenticeship as a commercial clerk and then his recruit school.
He has experience in accounting and invoicing. He works in the finance area at LEND and ensures that payments reach the right addressee.
Institutional Clients Sales
Over the past 30 years, Dieter has mainly advised institutional clients in various investment categories. His focus has always been on fixed income instruments. Various management positions at Merrill Lynch, JP Morgan, UBS Investment Bank and BNP Paribas complete his professional profile.
Dieter brings his many years of investment banking experience and his relationships with institutional investors in Switzerland to LEND.
Nerojan is doing a one-year internship with us as part of his commercial secondary school to gain his first work experience and learn a lot of new things in the commercial field.
In his free time, he likes playing football and spending time with his family and colleagues.
Our Advisory Board
Independent Advisor Pension Funds
Markus is an independent pension fund advisor and the former CEO of the pension fund of SBB (Swiss Federal Railways) and country head of Barclays Global Investors BGI in Switzerland. Before joining BGI, he started his career at Credit Suisse where he worked for over 20 years in various positions. When leaving Credit Suisse he worked within the Asset Management division and was responsible for the quantitative strategies group, which managed index and quantitative active portfolios for Swiss and international institutional investors.
Markus holds a degree in economics and computer science (lic.rer.pol.) from the University of Bern and is a Certified International Investment Analyst CIIA.
Dr. Martin Rutishauser
VR Zühlke Group & Partner Zühlke Ventures
Dr. Martin Rutishauser has been involved in technology and innovation projects for over 25 years. He is an Executive Partner of Zühlke Ventures AG and a member of the Board of Directors of the Zühlke Group. Before joining the Board of Directors, he was a member of Zühlke Group Management from 2003 to 2018. As responsible Executive Partner he founded Zühlke Ventures AG in 2010, which specializes in financing and coaching technology start-ups.
Martin Rutishauser studied electrical engineering at ETH Zurich, where he also obtained his doctorate. He completed his technical education with an Executive MBA at IMD in Lausanne.
SICTIC / BoD CREALOGIX
Ralph Mogicato has more than 25 years experience in the financial industry in Switzerland, Germany, Austria and Singapore. He is co-founder and CEO of the Swiss consulting company Synpulse (formerly Solution Provider) with over 400 employees in the banking and insurance sector.
Ralph Mogicato is well experienced in strategy development and execution for banks and insurance companies. He has in-depth knowledge as well as his own work and consulting experience in defining business cases, make-or-buy decisions, evaluation support for core banking and insurance systems, quality assurance for major projects.
Today he is a Fintech Angel Investor, senior consultant and professional board member, lecturer at the University of Zurich and lecturer at Kaleidos University of Applied Sciences as well as guest lecturer at IFZ, University of St. Gallen and Swiss Finance Institute. He is also a board member of CREALOGIX Holding AG, a member of the Swiss ICT Investors Club (SICTIC) and a member of various Fintech associations in Switzerland, England and Asia.
Banker / Angel Investor
Peter Hinder started his career in 1987 at Swiss Bank Corporation (SBC). After a few years as
Relationship Manager for Corporate Clients he moved on to SBC’s head office in 1996. There he was responsible for the development and roll-out of credit risk rating and pricing tools as well as post-merger integration of risk and product management functions in UBS Switzerland. From 1999 onwards, Peter successfully built-up an active Credit Portfolio Management team. Under his leadership, UBS issued its first synthetic Credit Linked Obligation (CLO), followed by a few other loan portfolio transactions.
Peter then worked in different roles at UBS such as Global Head of Banking Products, Regional Managing Director for Basel, and COO of Group Treasury overseeing the development and implementation of the new group-wide liquidity and funding framework. In 2010 Peter left UBS to become the CEO of Thurgau Cantonal Bank where he was responsible for the successful realignment of the bank, followed by its initial public offering.
In November 2015, Peter Hinder joined Deutsche Bank as Chief of Staff of the Private, Wealth & Commercial Clients (PW&CC) division. He led several strategic change programs like the restructuring and realignment of the German Private and Commercial Client network as well as the new strategic positioning of Global Wealth Management. Over the past two years, Peter Hinder was Head of Wealth Management EMEA and CEO of Deutsche Bank (Switzerland) AG.
Peter has held several non-executive board memberships, within and outside the banking industry.
Born in 1971, Peter is married and lives with his two children in Weinfelden, Switzerland. He holds the Swiss Federal Diploma in Banking and Finance and is a graduate of the PMD program at Harvard Business School, Boston USA.
The consumer loan market in Switzerland is roughly around CHF 7 Billion with a yearly volume of around CHF 4 Billion. The maximum interest rate permitted by law was lowered to 10% by the Federal Council in 2016. Banks exhaust that limit by regularly charging 9.95% interest on their loans. We don’t like this, particularly because banks themselves can borrow money at the low SNB policy rate. A pretty nice margin...
We don’t like this and we know there is a better way of doing business. On lend.ch we eliminate banks from the supply chain and directly connect borrowers and investors who can meet halfway. This means lower interest rates for borrowers and higher returns for investors.
We bring along a good amount of experience but mostly the passion to make things better. We believe that the concept of a sharing economy and peer-to-peer exchange is our future. And we want to be part of shaping it with our peer-to-peer lending platform.
LEND is a trademark and service of Switzerlend AG.
Switzerlend AG is listed in the Swiss Commercial Registry (Handelsregister CHE-456.445.646).
LEND is a Swiss product.
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