About us
Who we are
Headquartered in Luxembourg, we’re a European digital bank specialising in innovative credit card and Cards-as-a-Service (CaaS) solutions for consumers, business partners and financial institutions.
Since
our 2005 founding, our commitment to innovation and true digital has seen us break new ground and enjoy uninterrupted growth.
Serving 2.8 million credit card customers, we’re a leading issuer
of credit cards in Germany, with operations extending to Luxembourg, Austria, Spain and Italy.
What we’re about
Our mission is to make finance easier and more inclusive by offering simple, smart and user-friendly payment and credit solutions that provide financial flexibility and deliver added value to our customers.
Our
way of working is guided by responsible lending, open communication and teamwork in cooperation with employees, business partners and customers.
Key facts & figures
Discover more facts and figures, detailed overviews and financial reports.
We embrace sustainability
We drive positive change by integrating sustainable and responsible practices into our conduct and our solutions, reducing our carbon footprint and providing an inspiring and secure workplace for our employees.
Our leadership team
Our leadership team brings together experts from across the bank – combining strategic oversight with hands-on operational know-how to drive Advanzia forward.
![Nishant Fafalia](data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" width="391" height="528"><rect fill-opacity="0"/></svg>)
Nishant Fafalia
Chief Executive Officer
![Patrick Thilges](data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" width="422" height="501"><rect fill-opacity="0"/></svg>)
Patrick Thilges
Chief Financial Officer
![Kaj Larsen](data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" width="422" height="513"><rect fill-opacity="0"/></svg>)
Kaj Larsen
General Counsel
![Paulo Bastos](data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" width="422" height="518"><rect fill-opacity="0"/></svg>)
Paulo Bastos
Chief Customer Service Officer
Johan Bjurup
Chief Technology Officer
![Linda Früh](data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" width="422" height="446"><rect fill-opacity="0"/></svg>)
Linda Früh
Chief Product & Commercial Officer
![Frank Hamen](data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" width="422" height="499"><rect fill-opacity="0"/></svg>)
Frank Hamen
Chief Credit Risk Officer
Nishant Fafalia
Chief Executive Officer
Patrick Thilges
Chief Financial Officer
Kaj Larsen
General Counsel
Paulo Bastos
Chief Customer Service Officer
Johan Bjurup
Chief Technology Officer
Linda Früh
Chief Product & Commercial Officer
Frank Hamen
Chief Credit Risk Officer
Nishant Fafalia
Chief Executive Officer
Patrick Thilges
Chief Financial Officer
Kaj Larsen
General Counsel
Paulo Bastos
Chief Customer Service Officer
Johan Bjurup
Chief Technology Officer
Linda Früh
Chief Product & Commercial Officer
Frank Hamen
Chief Credit Risk Officer
Nishant Fafalia
Chief Executive Officer
Patrick Thilges
Chief Financial Officer
Kaj Larsen
General Counsel
Paulo Bastos
Chief Customer Service Officer
Johan Bjurup
Chief Technology Officer
Linda Früh
Chief Product & Commercial Officer
Frank Hamen
Chief Credit Risk Officer