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

Oyvind Oanes
Chief Executive Officer

Oyvind combines experience of leading Fintech consumer banking platform, Numbrs, with nearly two decades of retail banking across Europe, including building a consumer finance business for GE Capital in Russia, leading the turnaround of Austria’s Bawag PSK’s retail business and running Raiffeisen’s multi-country online bank ZUNO. Oyvind has a Business Economics degree from the BI Norwegian Business School, an MA in Management from the University of Stavanger and an MSc in Marketing from the University of the West of Scotland.
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.
Sergio Crespo Martin-Albo
Chief Marketing Officer

Sergio started his career at 4finance in 2016 as Marketing and Sales Director for Spain before becoming interim Country Manager. He has over 14 years of marketing and sales professional experience including as Digital Marketing and Multichannel Director at Mutua Madrileña, a large non-profit Spanish insurance company. Before that Sergio held various positions, like Head of Marketing of New Markets and Head of Internet Sales at Linea Directa Aseguradora. Sergio holds a BA in Communication Science from the Complutense University of Madrid and a Executive Program from IE Business School.
Nick Philpott
Group Head of Tax and Administration

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.
Andrew J Zeller
VP Commercial Operations

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.
Daiga Ērgle
Chief People Officer

Daiga has over 20 years of people management and leadership experience from various organizations and industries. Prior to joining 4finance, Daiga was Senior Vice President HR at airBaltic, Latvian national airline. Before that, she led the Executive Search branch of HR consulting company Fontes. Daiga also teaches HRM & Leadership for MBA and Executive MBA students at Riga Business School, and for her PhD research, she focuses on Employee Engagement and Gamification in HR.
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.
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.
Sergey Terentyev
Regional Manager of Latin and North America

Sergey is an experienced financial technology and payments industry leader, and has been building fintech companies on three continents across a total of 11 markets. Prior to joining 4finance, Sergey was engaged in growing Finstar Financial Group operations in South-East Asia. Before that, he was the co-founder and CEO of NASDAQ Latin American business, driving the company’s strategy and growth across six regional markets.

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.
Dmitry Babichev
Member of the Supervisory Board

Mr. Babichev has 17 years of professional background in corporate finance and management. He served as CFO of large pan-European steel-maker EVRAZ and of a pharmaceutical holding company based in Russia. He was also CEO of Ritzio International, where he was responsible for global operations in 13 countries, closed M&A deals in the UK, Latvia & Croatia and achieved substantial growth in profits.
Mark Ruddock
Member of the Supervisory Board

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 CEO of 4finance for a year before returning to the Supervisory Board. 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.
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

Dmitry Babichev (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
William Horwitz


Board of Directors of 4finance Holding S.A.

Oyvind Oanes, Chairman
Category B director
Paul Goldfinch, Member of the Board
Category B director
Fabrice Hablot, Member of the Board
Category A director
Daniela Roca, 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
Oyvind Oanes, Member of the Board
Category B director
Fabrice Hablot, Member of the Board
Category A director
Daniela Roca, Member of the Board
Category A director