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Steven Lemm is an accomplished data and risk management professional with extensive experience in executive roles, currently serving as Chief Risk & Data Officer at Ratepay since February 2021. Previously held positions include VP Data and Intelligence at Babbel, Director of Predictive Buying at Zalando SE, and Chief Data Officer at Outfittery GmbH, where Steven implemented comprehensive data strategies and led teams focused on data science and machine learning applications. With a solid foundation in algorithmic trading solutions from the Quantitative Products Laboratory at Deutsche Bank and a strong academic background with a Dr.rer.nat. in Machine Learning and a Diplom in Mathematics from TU-Berlin, Steven has consistently driven data-informed decision-making across multiple organizations.