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

George Georgakopoulos
Chief Executive Officer

George has over 20 years of banking experience and was most recently CEO of Bancpost, the retail focused Romanian bank, and Group Country CEO for Eurobank, with responsibility for over EUR 3.5 billion of assets. Prior to the CEO role, George, as Executive VP directly managed over EUR 2 billion of personal lending portfolios and the bank’s retail operations. Before joining Eurobank in 2008, he spent 13 years at Barclays Bank and Barclaycard with senior roles including head of strategy for new business opportunities in IT/tech. From 1997 to 2000, he was seconded to EBA Clearing to establish the pan-European clearing system, working extensively with major banks across Europe and the European Central Bank. George studied law at Athens Law School and has an MBA from Glasgow University.
Paul Goldfinch
Chief Financial Officer (CFO) of the Group

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
Head of Legal and Compliance of the Group

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 lawyer position 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 set 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
Stuart Watkins
Chief Information Officer (CIO) of the Group

A graduate in Business IT, Stuart has spent nearly two decades establishing successful internet enterprises throughout Europe. This includes managing major web projects for high street banks and launching SAAS startups in the CEE region. Stuart has a proven track record of delivering tangible business improvements through harnessing his technological expertise and his ability to get teams and management working together to get things done.
Manu Panda
Chief Risk Officer of the Group

With a broad background and over 23 years’ experience in consumer lending and credit card industries, Manu’s risk experience spans various leadership positions at blue-chip companies, including Barclays, Citibank and GE Capital where he leveraged data and technology for decision making. Prior to his last role leading Information Services at MasterCard Asia Pacific, he was Managing Director and Head of Decision Analytics for Experian covering 12 markets across Asia Pacific. Manu has an MBA from The University of Chicago Booth School of Business, USA and a Masters in Management Studies from the Birla Institute of Technology & Science in India.

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).
Mark Ruddock
Member of the Supervisory Board

Mr. Ruddock is CEO of FinstarLabs and has over 15 years of leadership experience in venture-backed startups, spanning enterprise software, mobile applications and online financial services.

Board of Directors of 4finance Holding S.A.

George Georgakopoulos, 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