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.
Jūlija Lebedinska-Ļitvinova
Chief Risk Officer

Jūlija has extensive experience in risk management and analytics. Before joining 4finance, Jūlija was Head of antifraud and risk processes at Home Credit and Finance Bank, one of the top retail banks in Russia. Before that she worked as Chief Risk Officer at Home Credit Bank Belarus. She has also worked with Klarna AB and GE Money. Jūlija has a PhD in Mathematics from University of Latvia.
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.
Mikah Martin-Cruz
Chief Marketing Officer

Mikah has over 20 years of senior marketing leadership experience across a wide range of industries. Prior to joining 4finance, Mikah was CMO and Commercial Officer at telecommunications company Lebara Group. Before that Mikah worked as CMO at Microsoft. Mikah has been Marketing Director at Samsung and Sony. He has also worked with BT Retail and Warner Brothers. He has a BA in Business Studies from Westminster University and Post Graduate diploma from Chartered Institute of Marketing.
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.
Elaine McKinney
Chief Compliance Officer

Elaine has over 20 years of experience in compliance covering integrity, data protection and privacy, and information security. She has worked in the public and private sector in the United Kingdom, Netherlands and Czech Republic, most recently for online security company AVG Technologies. She has an MA in Geography from the University of Edinburgh and Post Graduate Diplomas from Napier and Heriot-Watt Universities.
Robin Jose
Chief Data Officer

Robin was previously head of Data Science and Analytics Innovation at EMC/Dell and VP of the Big Data Analytics Division at Reliance. He has extensive experience in the analytics and technology sector including with Finstar Labs, Siemens, Witness Systems, Novell and Cisco. He has a Masters in Computer Science from SRM Engineering College, Chennai as well as an MBA from the Indian School of Business.
Andrew J Zeller
VP Business Development and Strategic Alliances

Andrew has over 20 years of professional experience working at the crossroads of banking, digital transformation, technology investment, and innovation management. He started his career with an American investment services firm focusing on emerging markets and technologies. Later Andrew worked for an international management consulting company and headed the corporate development division of Germany’s biggest mutual consumer finance specialist. He has a Master’s degree in Economics, a Diploma in Investment Accounting, and received his doctorate in Business Information Systems.
Petr Baron
Managing Director, TBIF Financial Services

Petr Baron has over 15 years of progressive experience in executing banking strategic initiatives, digital transformation and business evolution. He has held CEO roles and multiple board positions in financial markets across Europe, leading companies to provide best-in-class financial instruments, create innovative and scalable frameworks and foster financial best practices. Petr has a BSc in Investment and Financial Risk Management from Cass Business School, UK.
Loukas Notopoulos
Regional Manager for Europe and the South

Loukas has over 10 years of managerial experience in the finance sector. Before joining 4finance in 2012, he worked as Head of Sales at Polbank EFG, developing the offer and sales network for mortgage loans, and later as Head of Product Development and Sales, responsible for SMEs. Prior to that, Loukas worked at KPMG, where he started his professional career. He graduated from the Management and Social Communication Faculty at the Jagiellonian University, the Stuttgart Institute of Management and Technology and the Warsaw School of Economics.
Daniel Stenberg
Regional Manager for Scandinavia & Baltics

Daniel started his career at 4finance back in 2009 as founding Country Manager for Sweden. Prior to his engagement with 4finance, he worked as Asset Manager at various leading firms in Scandinavia. Daniel holds a BA in Business and Finance from Fc. Manning School of Business, Acadia University CA.

Supervisory Board of 4finance Group S.A.

Lado Gurgenidze
Chairman of the Supervisory Board

Mr. Gurgenidze is a career banker who spearheaded as Chairman and/or CEO, at various times, the turnaround and/or modernisation of several frontier banks and retail lenders, such as Bank of Georgia, Liberty Bank, Bank of Kigali and Bayport. He is also an active early stage investor in fintech companies, and has invested, among others, in TransferWise, Raisin, Coinbase, Bonify and BondMason.
Nicholas Jordan
Member 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).
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.

Committees of Supervisory Board of 4finance Group S.A.

Asset and Liability Committee

Nicholas Jordan (Chairman)
William Horwitz
Lado Gurgenidze

Nomination and Remuneration Committee

Lado Gurgenidze (Chairman)
William Horwitz
David Geovanis

Audit Committee

Edgars Dupats (Chairman)
Dmitry Kislyakov
Vladimir Borisov
Nicholas Jordan


Board of Directors of 4finance Holding S.A.

Mark Ruddock, Chairman
Category B director
Paul Goldfinch, Member of the Board
Category B director
Fabrice Hablot, Member of the Board
Category A director
Simon Bouaksa, 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
Mark Ruddock, Member of the Board
Category B director
Fabrice Hablot, Member of the Board
Category A director
Simon Bouaksa, Member of the Board
Category A director