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Marcel Kienitz is an experienced operations leader with a strong background in collections, recovery, and customer service within the financing and leasing sectors. Currently serving as the Head of Operations at Bank Deutsches Kraftfahrzeuggewerbe GmbH (BDK) since November 2017, Marcel Kienitz has successfully developed and managed the Operations division, focusing on disbursement, customer service, fraud prevention, and collections. Previous roles include interim Head of Credit Decision & Disbursement, as well as leadership positions in collections and fraud prevention. Prior to BDK, Marcel Kienitz spent five years at Consors Finanz BNP Paribas, where responsibilities included leading Collections & Recovery and transforming operational processes. Additionally, experience at Barclaycard Hamburg involved managing large collections teams and implementing performance management systems. Marcel Kienitz's expertise spans credit card, loan, and vehicle financing portfolios, making a significant impact on operational efficiency and performance.