Insurance & Finance SEBASTIAN DIEMER | KREDITECH Co –founder & CEO SPEAKER BIO Sebastian is the Co-Founder and CEO of Kreditech. Sebastian built Kreditech based on his vision of building a digital bank that replaces traditional brick and mortar banks. Founded in 2012, Kreditech has become the market leader in big data scoring and online lending. Sebastian has previously held a management position at Rocket Internet and led Gigalocal as its CEO. Prior to selling his first startup, PredictX, he gained experience at Deutsche Bank and Roland Berger. Sebastian holds a degree in management and strategy from the London School of Economics. KEY CORPORATE FACTS& KPIs COMPANY OVERVIEW Headquarters Hamburg, Germany Kreditech uses big data and complex machine-learning algorithms to serve a simple mission: to become the “world bank” for the underbanked by making sustainable credit decisions Peru, Lima; Poland, Warsaw; Russia, Moscow; available for everyone worldwide. The technology is fully automated and identifies and scores Office Locations Czech Republic, Prague; Australia, Sydney; individuals online in seconds – based on up to 20,000 different data points. Via its Mexico, Mexico City; Dominican Republic, subsidiaries’ consumer platforms Kredito24, Zaimo and Flexinero, the customer completes the Santo Domingo; Kazakhstan, Almaty paperless application process in seconds. Customers apply online, mobile or via SMS and Founded 2012 receive the funds via their bank account, credit card or at an ATM in under 15 minutes. No of Employees 200 Active Markets 9 markets globally Business Overview Consumer Finance Technology Recent Milestones Launch of flexible credit line “Flexinero” KPI#1 €100m lending run rate KPI #2 35 sec. average scoring time Key Financials Revenue of €50m in 2014, growing at a rate of 70% per quarter Website kreditech.com 7