Management & Board

4finance is led by a highly experienced international management team with significant expertise in banking, consumer finance and high-tech sectors.

The management team has a strong track record for delivering growth and value to shareholders while maintaining the highest levels of consumer care and responsibility.

Executive Committee of 4finance Group

Mark Ruddock
Chief Executive Officer

Mark has over 20 years of leadership experience spanning multi-country online financial services, mission critical enterprise software and consumer-focused mobile applications, and has a proven track record of building fast paced, innovative and scalable businesses. He was formerly MD, International at Wonga, overseeing their consumer lending operations for Spain, Poland, South Africa and Canada, and investments in Scandinavia and Germany. Mark has a BSc in Computer Science from the University of Toronto.
Paul Goldfinch
Chief Financial Officer

Prior to joining 4finance Paul was CFO of the Corporate and Investment Bank Division of Sberbank, Russia’s largest Bank. He has also held a number of senior roles at UBS, including EMEA Regional Head of Accounting and Controlling, and COO/CEO of UBS Bank Russia. Paul graduated from the University of Auckland in New Zealand and commenced his career with KPMG and Citibank before moving to Europe.
Mārtiņš Baumanis
Executive Vice President, Loans

Mārtiņš holds a Bachelor’s degree in Economics and Business Administration from Stockholm School of Economics in Riga and a Master’s degree from University of Latvia in the same area. Before joining 4finance, he served as the Head of Finance Planning and Control Department at a leading local bank, and has gained substantial experience in all aspects of auditing and accounting while working in PriceWaterhouseCoopers. Mārtiņš is a member of ACCA.
Sanda Laicēna
Chief Legal Officer

Prior to joining 4finance, Sanda served as the Head of Customer Service Legal Department and Deputy Head of Legal Division in one of the biggest banks in the Baltics, represented in 15 countries worldwide. Her professional experience also includes legal positions in several law offices and in the Central Bank of Latvia. Sanda holds an LLB from University of Latvia, where her focus of studies was on banking and finance law.
Nick Philpott
Group Head of HR and Tax

Nick is a Chartered Accountant with over 25 years of experience in the financial sector and the accounting profession, working in London, Moscow and Paris. He has been a Managing Director at Credit Suisse and at Renaissance Capital, as well as a partner at Ernst & Young. Nick has a BA in History from the University of York.
Roland Schaar
Chief Technology Officer

Roland has a strong track record in supporting aggressive growth strategies, transformation agendas and delivery goals. Prior to joining 4finance Roland was CTO at Paysafecard and Skrill, during which time he was a critical part of helping the business grow to ten times its original size. Roland has a degree in IT (telematics) from the Graz University of Technology and a Diploma in International Project Management from the University of Graz.
Stephen Buechner
Chief Risk Officer

Stephen has over 16 years of risk experience in consumer and corporate banking, eCommerce, and cards and payment products. Prior joining 4finance, Stephen was CRO at Paysafe Group. He has also worked with Citi, Barclays, ING and Ingenico/Global Collect in Europe, Asia and the US. Stephen has a BA in Languages and International Relations from Syracuse University and MAs from the Universities of Georgetown and Denver.

Supervisory Board of 4finance Group S.A.

Nicholas Jordan
Chairman of the Supervisory Board

Mr. Jordan has over 30 years of financial services experience, including 20 years of experience in senior positions with banks including Goldman Sachs, UBS and Deutsche Bank. He is the CEO of private equity firm Finstar Financial Group.
William Horwitz
Member of the Supervisory Board

Mr. Horwitz is an independent FinTech advisor with over 20 years of experience in financial services, including with Barclays and Capital One, and is the former president of WDFC SA (Wonga).
Lado Gurgenidze
Member of the Supervisory Board

Mr. Gurgenidze is a career banker and was the Executive Chairman and CEO of Bank of Georgia in addition to senior roles at Putnam Lovell and ABN AMRO. He has extensive experience in the retail banking, regulatory and governmental arenas.
David Geovanis
Member of the Supervisory Board

Mr. Geovanis has over 30 years of international investment experience and was a partner at Soros Private Equity Partners.

Board of Directors of 4finance Holding S.A.

Mark Ruddock, Chairman
Category B director
Paul Goldfinch, Member of the Board
Category B director
Stephane Sabella, Member of the Board
Category A director
Philip Cesar Pascual, Member of the Board
Category A director

Board of Directors of 4finance S.A. (Issuer of USD and EUR bonds)

Paul Goldfinch, Chairman
Category B director
Martins Baumanis, Member of the Board
Category B director
Marc Chong Kan, Member of the Board
Category A director
Caroline Goergen, Member of the Board
Category A director