“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.”
Co-Founder & CEO
Florian Kübler , Co-Founder & CEO
For the past 15 years, Florian has been a successful member of the investment banking and wealth management community. He worked as the head of corporate bonds trading for UBS Investment Bank in Zürich and London as well as country desk head for Wealth Management with UBS in Zürich. In between he worked as the sales leader for structured products at ZKB. To no surprise, Florian understands the needs of investors like no other.
Florian has a Masters degree in Economics from the University of Zürich.
Co-Founder & COO
Michel Lalive , Co-Founder & COO
Michel is a financial regulation specialist who worked as Legal Counsel at UBS Investment Bank and structurer for private equity investments.
His greatest strength lies in implementing new ideas and structuring processes. With his affinity to code and natural talent for UI/UX and design, he is our guy for innovation and product development.
He holds a Masters degree of Law from University of Zurich and is admitted to the bar.
Luzius Anderegg , CTO
Luzi is a senior software developer with a PhD in Computer Science from ETH Zurich.
With ten years under his belt as a programmer at Ergon he has the experience and expertise in system architecture as well as sheer coding which both are instrumental for achieving the long term goals of LEND as a Fintech company. Luzi loves Portugal and will always be there to catch a couple of waves after a day's work.
Fatma Belbahi , CFO
Fatma is an expert in digital solutions and has a strong Finance background.
She started her professional career at GE as part of its Finance Management Program where she gained expertise in various Finance areas from Controlling to Pricing.
She moved to Switzerland in 2012 and worked as a Lead Pricing Analyst for GE Money Bank specialising in pricing modelling for personal loans and credit cards. She then successfully implemented a new internet banking platform as a digital solution manager. She was then promoted to B2C Digital Solution leader and was responsible for the strategy and development of all B2C solutions.
Fatma studied in different places from Oxford(UK) to Sydney (Australia) and holds a Master degree of International Business Finance from Macquarie University. She plays Tennis and loves Surfing.
Partner & Strategy
Stefan Jaecklin , Partner & Strategy
Stefan has worked for almost 20 years as a strategy consultant in Financial Services at Oliver Wyman, the global strategy consulting firm. He helped create and build the capital markets and market infrastructure practices in New York and London and as partner, he founded the global Wealth and Asset Management Practice and headed the Swiss Market.
Stefan is now a Digital Entrepreneur in the Fintech area with a deep conviction that the new technologies together with business redesign permit to transform the financial industry with great benefits for everyone. Stefan contributes his extensive expertise across the Financial Services industry and his strategic thinking.
Stefan holds a doctorate in international economics from the Graduate Institute of International Studies (Uni Genève) and a Master in Economics from the National University of Singapore. Stefan is a CFA charterholder and has earned the Financial Risk Managmenet (FRM) designation.
CRO & Head Commercial Lending
Roman Mebert , CRO & Head Commercial Lending
Roman is our expert for the SME business. He has 24 years experience in commercial lending.
Back in 1994, he took his first steps at UBS at the Corporate Desk Latin America. After further positions in project and leverage finance in New York, he joined ABB with the believe to examine and finance infrastructure projects worldwide. However, soon after the start he had to analyze the employer itself and support the sale of its own finance department. This resulted in a one-year stay at GE Structured Finance.
With fresh energy, Roman co-founded a financial boutique in 2004 for Caterpillar Inc to support infrastructure and mining projects in the emerging markets. Responsible for the strategic direction, risk, portfolio & operation, he applied after successful 7 years the same business model at the Australian Investment Bank Macquarie. Ignoring the change in the banking world and having survived 4 years, he finally got inspired by the IPO of the US Lending Group. First at Cashare and now at Switzerlend AG, Roman found the access to his new inspiration.
Roman studied political science at the University of St.Gallen. He is a juror at Venture Kick and acts as business angel in some startups. He is an adrenaline junkie and believes he can still do the things he did many years ago. 25 forever!
Senior Dev & DevOps
Nils Samuelsson , Senior Dev & DevOps
Nils has been working in software development for 20 years. His first position as a developer at Minick Switzerland was followed by eight years as CTO of Run my Accounts AG. LEND is the third start-up where Nils will bring in his experience and strengthen the "Tech" in Fintech.
He holds a degree in physics from ETH Zurich. He spends the summer holidays sailing in Sweden. In winter you may meet him in the POW on his splitboard.
Head Risk Modelling & AI
Arturo Vivas , Head Risk Modelling & AI
Arturo is a Mathematical Modeling and Artificial Intelligence expert.
Arturo has over ten years experience in data analysis and IT systems. He started his professional career at ORACLE. In 2011 he began working at Swissgrid, where he performed during many years quantitative risk assessments on the Swiss and European power grid. The next step in his professional career was at the Center for Law & Economics at the ETH, where he participated in research projects in the field of behavioral economics. He has also worked as a Consultant in a Senior Data Engineer/Scientist position and before joining LEND, he was the Data Scientist of a Business Unit at SBB.
Arturo holds a Master degree in Statistics from ETH Zürich. He practises Triathlon and in his free time he also continues with his passion about data and technology, working on different projects.
Finance & Accounting
Ronny Carmona , Finance & Accounting
Ronny graduated from an apprenticeship in merchandising and then served in the Swiss army. He brings comprehensive know-how in accounting and billing and works in Finance & Accounting. Due to his can-do attitude and high quality of work he was given a lot of responsibility in these areas.
Ronny is very ambitious and strives for a career as emancipated entrepreneur.
Head Personal Lending
Nino Grassi , Head Personal Lending
Nino brings several years of experience from the operative side of the consumer loan business into the Team of LEND. After four years in the traditional banking business he decided to specialise in private loans, where he worked for the market leader Cembra Money Bank, former GE-Money Bank, as a consultant in the credit broker business. His expertise includes credit underwriting, loan management and servicing.
Nino is studying Business Communications at the University of Applied Sciences in Zurich.
Deputy Head Personal Lending
Marco Grosso , Deputy Head Personal Lending
Marco has over 10 years of experience in the consumer loan business and is well versed in the leasing business. Working at traditional market leaders, he was able to acquire a comprehensive knowledge in the care of the most important partners and customers and thanks to his foreign language skills, he was also increasingly as a middleman on the front line. He knows what is important and his trained eye allows him to identify bad risks in a short time. His experience in the debt collection industry as well as knowledge in debt collection and bankruptcy law (SchKG) are a great asset too.
Specialist Personal Lending
Blerim Metaj , Specialist Personal Lending
Blerim has over six years of work experience in client consulting. He also brings a wealth of experience in finance and insurance. Blerim complements the Operations Team with his international experience and Bachelor's degree in Business Administration with a focus on Banking & Finance.
In Switzerland, he began his career with an insurance company, where he gained in-depth knowledge of credit risk assessment and contract management. Due to his affinity for numbers and their interpretation, he successfully completed a further education in accounting at KV Business School Zurich.
Specialist Commercial Lending
Magdalena Zur , Specialist Commercial Lending
Magdalena has 15 years of credit and financing experience and works at Switzerlend AG in the commercial lending business where she analyses and implements SME loans.
She took her first steps in corporate banking at ABN Amro Bank N.V. in Zurich followed by 10 years Magdalena at Zurich Cantonal Bank where she gained a deep understanding and vast experience in corporate banking and the credit business; whether small companies or blue chips, in different positions she studied companies from various industries. She is an expert in the areas of acquisition, consulting/support, financing, structuring and credit risk analysis and particularly proud of her contribution to SME succession financing. Through structured financing solutions she accompanied numerous companies into the future or next generation.
The call for change then led Magdalena to BNP Paribas (Suisse) SA where she spent 3 years as a credit risk specialist managing a challenging portfolio of SMEs, listed and multinational companies. She also managed a team in Zurich and built another team up in Lisbon.
She holds a bachelor's degree in business administration from the Zurich School of Economics and expanded her expertise with a MAS in Corporate Finance at the IFZ in Zug.
Specialist Commercial Lending
Schafiq Kakar , Specialist Commercial Lending
Schafiq has many years of experience in the leasing business and in trade with industrial goods. His career began in the family business Kakar GmbH & Co. KG as International Sales Manager. He specialised in the sale of trucks, construction machinery, buses and industrial plants on almost all continents. Later he took over additional tasks in the areas of credit risk assessment and compliance. After a five-year engagement with the BNP Paribas Group as Senior Credit Risk Analyst for SMEs and Corporates, he decided to enter the crowdlending business. Schafiq's expertise is in credit risk assessment, credit management and customer service. Starting with Lendico Schweiz AG and now with LEND, Schafiq can follow his passion for credit and risk in a modern marketplace lending environment.
Schafiq holds a Bachelor of Business Administration degree with a focus on Finance & Accounting, Controlling and Energy Economics from the University of Applied Sciences for Economics and Management in Munich. He is very interested in politics and economics.
Sales Manager Commercial Lending
Felice Schellhammer , Sales Manager Commercial Lending
Felice is responsible for the sale of SME financing solutions and general customer management. She is also the primary contact person regarding distribution of the LEND offering within our cooperation partner PostFinance.
During her studies she worked directly with the CEO of a small company in procurement, sales and warehouse management. As Junior Controller in an event and hotel business in Germany, she gained experience in implementing internal and external guidelines. At Crowdlender Lendico, Felice acquired new customers and cooperation partners. Maintaining existing business relationships as well as planning and implementing marketing activities are among her strengths. She has sound SME experience and knows their needs and challenges during a financing process.
Felice holds a Master of Science in Corporate & Business Development from the FHSG University of Applied Sciences St. Gallen. In her spare time Felice sings semi-professional and preferably soul.
Our Advisory Board
CEO SBB Pension Fund
Markus Hübscher , CEO SBB Pension Fund
Markus is the CEO of the Pension Fund of SBB, the Swiss Federal Railways. Previously, he was the country head of the newly created office 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 , 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 , 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 , 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.
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.