Decades of experience in both senior management and client services at banks and financial services providers, extensive network in banking, asset management and real estate.

Prof. Dr. Lutz Johanning

Managing Director

Lutz is a founder and responsible for strategic business development at credX. He is a proven regulatory and capital markets expert both in theory and practice: Professor at WHU – Otto Beisheim School of Management, Eurex Exchange Council, advisor to the EU Commission on PRIIPs and MiFID, founder and supervisory board member of various FinTechs and RegTechs.

Dr. Ralf Kauther


Ralf is a shareholder and the CEO. He has known both sides of the credit and issuing market for over 15 years: as CFO of BHW Bausparkasse, Head of M&A and CRO at Postbank and as CFO of the vwd Group. He also gained experience with highly scaled IT solutions for the financial sector whilst at vwd Group.

Michael Müller

Executive Director

Michael is the COO and has been with credX since November 2016. Prior to that, he worked for over 15 years as a financial planner for high-net-worth private customers, gaining comprehensive experience with digital consulting and credit brokerage platforms such as prohyp and EUROPACE. He is responsible for organisation & operations at credX.

Michael Baumann

Senior Relationship Manager

Michael joined credX in September 2021. The banker and business economist (+ Bachelor of Real Estate Management) was responsible for the market side at various banks in corporate finance and large-volume real estate financing for around 30 years. As Senior Relationship Manager, he is responsible for the acquisition and support of real estate investors and project developers and contributes his banking and real estate know-how and his extensive network.

Malte Janssen

Senior Relationship Manager

Malte has been with credX since April 2021. As Senior Relationship Manager, he is responsible for the acquisition and support of real estate investors and project developers. A business graduate with an additional degree in German Real Estate Law (Master of Laws), Malte has worked for leading banking institutions in national and international commercial real estate finance since the beginning of 2012.

Christian Sommer

Business Development Manager

Christian has been with credX since February 2017. He is responsible for investor relations and, together with the CEO, for the technical development of the platform. A graduate in business administration, he worked as a self-employed financial planner (hedging, financing and investment). He then worked at Bankhaus Lampe in the mezzanine fund team.

Daniel Böhm

Senior Manager Organization

Daniel has been working in the back office at credX since July 2018. After graduating in business law and business administration, he spent four years at PwC in the regulatory management department, auditing and advising banks and regulated financial services providers.

Paul Zelder

Relationship Manager

Paul joined credX in July 2021. He leads the specialist team that prepares and accompanies financing requests with the relationship managers. He also supports several clients himself as a relationship manager. The commercial lawyer worked for a leading commercial real estate financier in the back office and as a relationship manager since the beginning of 2018.

Daniela Cremer

Head of Transaction Analysis and Support

Daniela has been with credX since May 2022. She heads the team of specialists that prepares and supports financing requests together with the relationship managers. As a mortgage banker and real estate specialist, she brings with her 18 years of treasury experience from partly listed groups, in addition to sound commercial financing know-how.

Dirk Rollmann

Analysis and Transaction Support

Dirk has been working as a specialist at credX since July 2021. His tasks include the processing of transactions on our platform. The banker brings 16 years of professional experience at a Volksbank. Here, he worked as an investment advisor for the corporate customer segment, among other things.

Dr. Daniel von Heyl

Senior Advisor

Daniel is a shareholder and senior advisor. With almost 30 years in global banking and corporate finance in senior positions at Deutsche Bank, Bank of America Merrill Lynch and BNP Paribas both domestically & abroad, he brings with him banking expertise and access to top decision-makers at banks and large corporations.

Dr. Oliver Mihm

Senior Advisor

Oliver is a shareholder in credX and since 1999 founder/CEO of Investors Marking AG, a leading Management Consulting company specialized on the Financial Services sector in the D-A-CH Region. Prior to this he used to be Head of Productmarketing with Deutsche Bank Private Banking. With his reputation and his huge network he helps us increase our awareness at banks, foster relationships and integrate with their processes.

Dr. Andreas Kronabitleitner

Senior Advisor

Andreas is a shareholder and senior advisor. He brings his experience and access to decision-makers gained from almost 20 years in senior management positions at Austrian banks and a decade spent mainly in Germany as a strategy consultant for banks.

Our technolgy partner



Valantic, credX’s IT partner, has been recognized as one of the “Most Influential FinTech Firms 2022” (Harrington Starr) and counts many renowned banks and financial service providers among its customers. Valantic combines a deep understanding of capital markets workflows with next-generation technologies to develop proven, high-throughput platforms that improve automation levels by reducing manual intervention by up to 95%.

Supervisory board

Experience from numerous entrepreneurial activities and supervisory board mandates at innovative financial service providers.

Philipp Henrich

Chairman of supervisory board

Philipp is the founder and chairman of the supervisory board. He is the CEO of XTP. Over the last 15 years, he has founded, built and successfully sold several FinTechs / RegTechs. These investments have given him a deep insight of the requirements of institutional investors and how to solve them technologically.

Wolfram Klingler

Supervisory board

Wolfram is a founder and supervisory board member. He has access to a worldwide network of institutional investors. He has also brought his experience from senior positions in private equity (Altira/Clearsight), hedge funds (GAM), and as a board member of XTP to other start-ups.

Prof. Dr. Ralf Elsas

Supervisory board

Ralf has been a member of the credX AG supervisory board since August 2021. He is a professor at the Ludwig-Maximilians-University of Munich and a proven capital market expert, especially in the areas of banking, lending and corporate finance, rating as well as quantitative methods. He is also a member of various supervisory and advisory boards as well as a publicly appointed and sworn expert for “Securities, Derivatives and Stock Exchanges” (IHK Munich/Upper Bavaria).

WordPress Cookie Plugin by Real Cookie Banner