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.
Olivier A Frühwirth
Chief Legal Officer
Prior to joining 4finance, Olivier served as the Head of Group Legal of a bank operating in several countries in the Balkans. His professional experience also includes several leading functions heading legal departments, a restructuring division of a bank, a restructuring company, as well as working as an attorney. Olivier holds a magister iuris and a doctor iuris degree from the University of Vienna, an LLM from Boston University, and an MBA from the Frankfurt School for Finance and Management.
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.
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.
Olga Pavlikova
Chief Operations Officer
Prior to joining 4finance, Olga spent more than six years in charge of operations as Director of the Centre of Excellence at Dixons Carphone. Before that Olga was leading two EMEA shared services centers for HSBC and Regus. She started her career in the banking industry where she spent more than 7 years at GE Money Bank performing various roles across Finance, Operations and Process Re-engineering. Olga is a certified Six Sigma / LEAN Black Belt, has an MBA degree from University of Northern Iowa, USA and a Master of Economics from the University of Economics in Bratislava, Slovakia.

Supervisory Board of 4finance Group S.A.

William Aaron Horwitz
Chairman of the Supervisory Board

Mr. Horwitz is an independent FinTech advisor with over 20 years of experience in financial services, including Barclays (as Director of Collections & Recoveries for Europe Retail & Business Bank) and Capital One (14 years, including as VP of US card recoveries and MD of Capital One Spain). He was formerly president of WDFC SA (Wonga), guiding the restructuring of the company for FCA licensing and suitability. Bill is a founding member of the 4finance Group supervisory board.
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.
Evgeny Sytnik
Member of the Supervisory Board

Mr. Sytnik is a Senior Vice President of Finstar Financial Group and has over 10 years of professional experience in corporate finance, private equity and investment management. He has worked on sourcing and executing private equity and early stage deals, as well as multiple financing transactions. He currently holds board positions in fintech companies. Prior to joining Finstar, Evgeny worked at Pangeo Capital, Russian Direct Investment Fund, Goldman Sachs and UBS.

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

Asset and Liability Committee
William Aaron Horwitz (Chairman)
Evgeny Sytnik

Nomination and Remuneration Committee
William Aaron Horwitz (Chairman)
David Geovanis

Audit Committee
Edgars Dupats (Chairman)
Alexander Alexandrov
Konstantin Ter-Martirosyan
Evgeny Sytnik


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