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.

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.

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.

Andreas has developed extensive knowledge and expertise in portfolio-, risk- and asset management.

In his career he spent time as an energy trader at Swiss utility BKW and during the global financial crisis he worked as portfolio manager within the money market and foreign exchange department at the Swiss National Bank. Thereafter, Andreas joined The Dow Chemical Company as financial risk manager and later moved to the Portfolio Investments Group where he oversaw pension assets.

Andreas has a master’s degree in Economics from University of Zurich and studied one year in the USA. He is an avid skier and proud father of a son.

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.

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

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

Avec une énergie renouvelée, Roman a co-fondé en 2004 une boutique financière pour Caterpillar Inc afin de soutenir des projets d'infrastructures et d'exploitation minière sur les marchés émergents. Responsable de la direction stratégique, du risque, du portefeuille et des opérations, il a appliqué avec succès pendant 7 ans le même modèle économique à la Banque d'investissement australienne Macquarie. Ignorant le changement dans le monde bancaire et ayant survécu 4 ans, il a finalement été inspiré par l'introduction en bourse du groupe américain de crédit. D'abord chez Cashare et enfin 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 juré chez Venture Kick et essaie d'être un business angel dans certaines startups. Aime l'adrénaline et croit qu'il peut toujours faire la même chose qu'il y a plusieurs années. 25 forever!

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.

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.

Arjeta completed a commercial education and has first experiences in customer service and administration. She proved her skills during education by being fully responsible for big projects, which she managed excellently.

Arjeta plans to take further education in the field of finance and 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 focused and strives for a career as emancipated entrepreneur and influencer.

Richard is a pioneer for high-frequency trading with vast professional experience. He is also known for his scientific work in the area of „market microstructure“.

He is Co-Founder of the FX platform Oanda, a market maker for foreign exchange trading and provider of foreign exchange data. He developed the first fully automated FX trading platform offering second-by-second interest payments Due to his achievements he is viewed as a true visionary for new technologies and concepts. Also today he is shaping the blockchain scene with his company Lykke.

Richard is also visiting professor at the „Centre for Computational Finance and Economic Agents“ at the university of Essex. Richard is on a mission to transform financial markets into a seamlessly functioning system and to remove the structural weaknesses which we seem to have accepted.   

Thomas is Managing Director of Intrum Justitia AG in Switzerland, the leading corporation for loan management services in Europe. With the development of digital Services around the core competency of claims management, he focuses on the quality of services and a sustainable and sound business operation equally.

As part of the digital services initiative, Intrum Justitia is positioning itself as the go-to provider in multiple areas, such as Big data management, fully automated credit decisions and customer identification as well as digital identity.

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.