Meet Our Team

Behind every success at Kreditz is a team of passionate innovators, experienced leaders, and dedicated collaborators, driven by our mission and committed to creating real value for our customers.

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Management

Roni Zacharion (Kreditz) 2 1 (2)

Roni Zacharion is the CEO and founder of Kreditz. He is a serial fintech entrepreneur who has spent more than two decades building businesses in financial services, driven by the idea that every individual and company deserves a ...

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Roni Zacharion

Founder and CEO

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Malin Önnby is Chief Commercial Officer at Kreditz, leading the company’s commercial growth and go-to-market strategy across Europe. With a strong focus on customer value and long-term partnerships, she works closely with ...

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Malin Önnby

Chief Commercial Officer

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Spilios Tzouras is Chief Product Officer at Kreditz, leading the product vision and roadmap for our next generation credit and risk solutions. With a background spanning advanced analytics, AI and risk, he brings deep expertise ...

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Spilios Tzouras

Chief Product Officer

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Magnus Sparf is Chief Information Security Officer (CISO) at Kreditz, responsible for ensuring the highest standards of security, privacy, and resilience across our platform and operations. With a strong background in information ...

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Magnus Sparf

Chief Information Security Officer

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Arlen Rios is Chief Technology Officer and co-founder of Kreditz. He leads the company’s technology strategy and development, building the platform behind our real-time credit and risk decisioning solutions. Since co-founding ...

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Arlen Rios

Chief Technology Officer

Richard-Wachtmeister-Chief-Legal-Officer

Richard Wachtmeister is Chief Legal Officer at Kreditz, leading our legal and regulatory work as we scale next generation credit and risk decisioning across Europe. With extensive experience in finance and fintech, he ensures our ...

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Richard Wachtmeister

Chief Legal Officer

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Gustav Niblaeus is Chief Financial Officer (CFO) at Kreditz, leading our financial strategy as we scale across Europe. With a sharp focus on sustainable growth, profitability, and operational efficiency, he works closely with the ...

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Gustav Niblaeus

Chief Financial Officer

Our Investors

Kreditz is backed by a network of visionary investors who share our mission to revolutionize credit and risk decisioning. Their support enables us to push boundaries, innovate, and create a lasting impact in the financial technology landscape.

Board Members

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Anna Storåker

Chair of the Board

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Roni Zacharion

Board member

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Anders Hugosson

Board member

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Staffan Salén

Board Member

Joel_U

Joel Urwitz

Board member

Maarten

Maarten Grosfeld

Board member

Who We Are

Get to know Kreditz and our mission, our values, and the driving force behind what we do. Learn more about how we’re shaping the future of credit decisioning and the culture that fuels our success.

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What's new?

Want to learn about AI and real-time intelligence or just curious about the latest business trends? Explore our resources for fresh insights, industry updates, latest technologies, and much more.

AI vs Fraud: Why speed and transparency now decide who wins

AI vs Fraud: Why speed and transparency now decide who wins

Fraud is moving faster than the systems built to stop it. At Kreditz, we’ve ...

AI and Open Data Are Strengthening Swedish Finance

AI and Open Data Are Strengthening Swedish Finance

Sweden has long been at the forefront of fintech innovation, but growing demands ...