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Andreas Houben has extensive experience in product management and marketing within the banking sector. Currently serving as Ressortleiter Produkte & Marketing at TARGOBANK since October 2011, Andreas has held multiple leadership roles, including Direktor Konto, Finanzierung und Karten, and Bereichsdirektor Konto und Finanzierung. Prior to TARGOBANK, Andreas worked at Commerz Finanz GmbH as Bereichsleiter Produktmanagement and Head of Product Management for Germany from January 2009 to September 2011. Additionally, Andreas held senior roles at RBS (RD Europe) GmbH, serving as Director Product Management and Marketing Director Europe between 2004 and 2008, as well as at Citibank from 2000 to 2004 as Bereichsleiter Database Marketing.