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.

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


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.

Prof. Dr. Lutz Johanning

Senior Advisor

Lutz is a founder and responsible for strategic business development, data analysis, and the customer segment of alternative capital providers 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.

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

Head of Origination

Paul joined credX in July 2021. As Head of Origination, he is responsible for sales and the associated internal and external processes. The commercial lawyer has 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.

Deniz Besir

Relationship Manager

Deniz joined credX in January 2023. As a relationship manager, he is responsible for the acquisition and support of real estate investors and project developers. Previously, the economist (B. Sc.) worked as a real estate analyst at a rating agency, a consulting boutique for large-volume real estate financing, and as a consultant for commercial real estate financing at a credit brokerage platform.

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. 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.

Marcel Peter


Marcel joined credX in April 2022 as a working student with a focus on IT. He primarily supports the team in data analysis, IT development and optimizing our web presence. He is currently completing his Master of Information Science at Darmstadt University of Applied Sciences.

Our technolgy partner



valantic FSA, credX’s IT partner.
Awarded as one of the “Most Influencial FinTech Firms 2022” (Harrington Starr), valantic FSA is leading the digital enablement of the financial services and banking industry.
Combining a deep understanding of capital markets workflows with next-generation technologies, valantic FSA sets the standard for digitization and automation in the financial services industry. Proven and high-performance platforms increase the level of automation of trading, workflow and payment processes by reducing manual effort 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).

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