Nicolas Kipp

Founder & Ceo

Credibur · Berlin, Germany

Present

We develop API- and AI-first infrastructure for managing structured credit transactions between alternative lenders (like fintechs, factoring companies, or BNPL providers) and institutional capital providers (such as debt funds, asset managers, or banks). Our platform replaces manual spreadsheets and fragmented workflows with automation – covering the full debt lifecycle: from structuring and reporting, to covenant tracking, capital calls, and SPV administration. By making debt facility management scalable and compliant from day one, we help lenders grow with confidence – and enable capital to reach the real economy faster and more transparently.

Angel Investor & Startup Advisor

Melivorum UG (haftungsbeschraenkt) · Berlin, Germany

Present

I am consulting and/or investing in various European and American fintech/proptech/software ventures, trying to add value in the areas of structuring debt facilities, setting up and improving credit risk management and compliance or helping develop new software solutions in the risk/data space.

Board Member Payment, Fintech & Digital Banking

BITKOM e.V. · Berlin Area, Germany

Bitkom is Germany’s digital association. Founded 1999 in Berlin, we represent more than 2,700 companies of the digital economy. Our membership spans more than 1,000 SMEs, over 500 startups and virtually all global players. We support policies for data-driven business models, for data protection and cybersecurity, for platforms, disruptive technologies, work 4.0 and life-long education in a digital world. A strong European digital policy and a fully integrated digital single market are at the heart of Bitkom’s concerns, as well as establishing Germany as a key driver of digital change in Europe and globally.

Co-Founder, Managing Director

Banxware · Berlin, Germany

Banxware is a software provider for Embedded Financial Services. At Banxware we enable digital platforms such as marketplaces, payments providers, POS providers, and other aggregators to offer white label financial products, especially loans to their merchants - fully digital and integrated. We ensure small businesses can thrive in a digital world and can tap into every source of funding possible – even future revenues. In the founding team, I am responsible for our bank/lending cooperations and all associated core processes of our business (mainly risk management, compliance, operations, debtor management, customer service).

Chief Risk Officer

Ratepay · Berlin Area, Germany

RatePAY is your partner for easy and secure payments online. We handle the entire payment process and carry the risk for payment default. With my team we handle that risk: with big data analytics and passion for detail. As part of the management board, I am responsible for the Risk Management department at RatePAY, which includes consumer/credit risk, fraud prevention, merchant risk/onboarding/KYC, data science/analytics, risk/cost controlling and regulatory reporting. I also head Compliance and IT Security.

Director Risk Management

RatePAY GmbH · Berlin Area, Germany

Senior Project Manager

RatePAY GmbH · Berlin Area, Germany

interim team-lead reporting and project lead

External Expert | Study Commission Artificial Intelligence

Deutscher Bundestag · Berlin, Germany

Senior Consultant

Berg Lund & Company · Hamburg Area, Germany

Strategy Consultant at Kampmann, Berg & Partner (now operating as Berg Lund & Company) with special focus on financial services (FinTech, payment, banking, insurance) and eCommerce; projects covering mainly M&A, financial modeling, business cases, valuation, corporate finance, business development, corporate venturing, sales cooperations, reorganizations

Intern Inhouse Consulting

Deutsche Post DHL Inhouse Consulting

business case modelling and project management in corporate health-care management

Intern Financial Services

Roland Berger Strategy Consultants

Reorganization project for German insurance company

Freelance Consultant

Nicolas Kipp Consulting

Consulting and interim management in business model development and online performance marketing