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Tobias Clemens is a seasoned professional with extensive experience in product management, business development, and strategic planning across various sectors. Currently serving as a Senior Product Manager at Cembra Money Bank AG since January 2020, Tobias focuses on identifying sales potentials and developing new opportunities in consumer finance. Prior roles include Business Development Manager at Quickpac AG, where support was provided for market positioning, and Senior Business Development Manager at cashgate AG, which involved strategic workshop facilitation. Tobias's career at DPD (Schweiz) AG encompassed various managerial roles, including Strategic Projects & SD Manager and Sales Controller, where significant contributions were made to business strategy and key account management. An educational background includes certifications from Universität St.Gallen, Copenhagen Business School, and Yale University, among others, demonstrating a commitment to continuous professional development in areas such as smart mobility management, digital transformation, and sustainable finance.