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Clemens Krause, born 1962, joined Ferratum in 2012 as the Company's CFO and the managing director of Ferratum Germany GmbH. Since 2019 he has taken the role of Chief Risk Officer of the Group. He studied business administration at the Westfälische Wilhelms-Universität in Münster. From 1989 to 1994, Mr Krause worked at the Institut für Rechnungswesen in Münster and completed his PhD thesis about Credit Rating with Artificial Intelligence. In1994, he joined Bankgesellschaft Berlin AG where he worked as a manager and director of Project Finance before holding various management positions at companies including Deutsche Bahn, E-Loan Europe, E*Trade Germany, GE Money Bank (General Electric) and Commerzbank. Since 2008, Mr Krause has also been CEO and owner of EXCELLENCE Wealth Management GmbH.

Directly and indirectly, as of 31 December 2020, Clemens Krause holds 85 356 shares and/or options in the Group.