Au cours des 15 dernières années, Florian a été un modèle de réussite au sein de la communauté des services bancaires d'investissement et de gestion de patrimoine. Il a travaillé en tant que responsable du négoce d'obligations d'entreprises pour UBS Investment Bank à Zurich et à Londres, et a été responsable du country desk Wealth Management chez UBS à Zurich. Entre-temps, il a travaillé en tant que responsable des ventes de produits structurés chez ZKB. Sans surprise, Florian comprend les besoins des investisseurs comme personne d'autre.

Florian est titulaire d'une maîtrise en économie de l'Université de Zurich.

Michel est un spécialiste de la régulation financière qui a travaillé en tant que conseiller juridique chez UBS Investment Bank et structurateur d'investissements en private equity.

Sa plus grande force réside dans la mise en œuvre de nouvelles idées et de processus structurants. Avec son affinité pour le code et son talent naturel pour UI/UX et le design, il est notre homme pour l'innovation et le développement de produits.

Il est titulaire d'une maîtrise en droit de l'Université de Zurich et est inscrit au barreau.

Luzi est développeur de logiciels confirmé, titulaire d'un doctorat en informatique de l'ETH Zurich.

Avec dix ans d'expérience en tant que programmeur chez Ergon, il possède l'expérience et l'expertise en architecture système ainsi qu'en code qui sont tous deux essentiels pour atteindre les objectifs à long terme de LEND en tant que société Fintech. Luzi adore le Portugal et sera toujours là pour attraper quelques vagues après une journée de travail.

Fatma est une experte en solutions numériques et possède une solide expérience en finance.

Elle a commencé sa carrière professionnelle chez GE dans le cadre de son programme de formation gestion financière où elle a acquis une expertise dans divers domaines financiers, du contrôle de gestion au pricing.

Elle a emménagé en Suisse en 2012 et a travaillé comme Lead Pricing Analyst pour GE Money Bank, spécialisée dans la modélisation des tarifs de prêts personnels et des cartes de crédit. Elle a ensuite implémenté avec succès une nouvelle plateforme de banque en ligne en tant que Digital Solution Manager. Elle a ensuite été promue responsable de la stratégie et du développement de toutes les solutions B2C.

Fatma a étudié dans différents villes d'Oxford (Royaume-Uni) à Sydney (Australie) et détient un Master of International Business Finance de l'Université Macquarie. Elle pratique le tennis depuis plusieurs années et est passionnée de surf.

Stefan a travaillé pendant près de 20 ans en tant que consultant en stratégie dans les services financiers chez Oliver Wyman, la société de conseil en stratégie globale. Il a participé à la création et au développement des marchés des capitaux et des pratiques d'infrastructure de marché à New York et à Londres et, en tant qu'associé, il a fondé la division mondiale Wealth and Asset Management Practice et dirigé le marché suisse.

Stefan est maintenant un entrepreneur numérique dans le domaine Fintech avec la profonde conviction que les nouvelles technologies et la refonte de l'entreprise permettent de transformer l'industrie financière avec de grands avantages pour tous. Stefan apporte sa vaste expertise dans le secteur des services financiers et sa réflexion stratégique.

Stefan est titulaire d'un doctorat en économie internationale de l'Institut universitaire de hautes études internationales (Uni Genève) et d'un Master en économie de la National University of Singapore. Stefan est titulaire du titre de CFA et a obtenu le titre de Financial Risk Management (FRM).

Roman est notre expert pour les PME. Il possède 24 ans d'expérience dans le domaine des prêts commerciaux.

En 1994, il fait ses premiers pas chez UBS au Corporate Desk Latin America. Après avoir occupé d'autres postes dans le financement de projets et leverage finance à New York, il a rejoint ABB avec la conviction d'examiner et de financer des projets d'infrastructure dans le monde entier. Cependant, peu de temps après le début, il a dû analyser l'employeur lui-même et soutenir la vente de son propre département des finances. Cela s'est traduit par un séjour d'un an chez GE Structured Finance.

Avec une énergie nouvelle, Roman a co-fondé en 2004 une boutique financière pour Caterpillar Inc. afin de soutenir des projets d'infrastructure et miniers dans les marchés émergents. Responsable de l'orientation stratégique, du risque, du portefeuille et de l'exploitation, il a appliqué avec succès pendant 7 ans le même modèle d'affaires chez Macquarie Bank. Ignorant le changement dans le monde bancaire et ayant survécu 4 ans, il s'est finalement inspiré de l'introduction en bourse du groupe américain Lending. D'abord chez Cashare et maintenant chez Switzerlend AG, Roman a trouvé l'accès à sa nouvelle inspiration.

Roman a étudié les sciences politiques à l'Université de Saint-Gall. Il est membre du jury de Venture Kick et agit à titre d'investisseur providentiel dans certaines entreprises en démarrage. C'est un accro à l'adrénaline et il croit qu'il peut encore faire les choses qu'il a faites il y a de nombreuses années. 25 pour toujours !

Nils travaille dans le développement de logiciels depuis 20 ans. Son premier poste de développeur chez Minick Suisse a été suivi de huit ans en tant que CTO de Run my Accounts AG. Nils apportera son expérience LEND est la troisième start-up où Nils apportera son expérience et renforcera le "Tech" de Fintech.

Il est diplômé en physique de l'ETH Zurich. Il passe les vacances d'été à naviguer en Suède. Et en hiver, vous pouvez le rencontrer dans le POW sur son splitboard.

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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.

Ronny est diplômé d'un apprentissage en merchandising et a ensuite servi dans l'armée suisse. Il apporte un vaste savoir-faire en matière de comptabilité et de facturation et travaille dans le domaine de la finance et de la comptabilité. En raison de son attitude positive et de la haute qualité de son travail, il s'est vu confier beaucoup de responsabilités dans ces domaines.

Ronny est très motivé et aspire à une carrière d'entrepreneur et d'influenceur émancipé.

Nino apporte à l'équipe de LEND plusieurs années d'expérience dans le domaine des prêts à la consommation. Après quatre ans dans le secteur bancaire traditionnel, il a décidé de se spécialiser dans les prêts privés, où il a travaillé pour le leader du marché, Cembra Money Bank, anciennement GE-Money Bank, en tant que consultant dans le secteur du courtage de crédit. Son expertise comprend la souscription de crédit, la gestion des prêts et le service après-vente.

Nino étudie la communication d'entreprise à la Haute école spécialisée de Zurich.

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.

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.

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.

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.

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.

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 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.

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.

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.