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Werner Kruger is an accomplished data and technology leader with extensive experience across various sectors. Currently serving as VP of Data at Yoco, Werner leads a team focused on delivering key business insights. In parallel, Werner acts as Fractional CTO and advisor for LawFi, Inc., where responsibilities include building technology foundations for Legal Fee Financing. With a background in BNPL, Werner is an advisor for Aplazo and BaadMay, while previously serving as SVP Risk & Data at Grover and Chief Data Officer at Bloom Group S.A. Other notable roles include Chief Credit & Analytics Officer at Monese, VP of Data Science at Klarna, and Group Head of Data Science at Standard Bank Group. Werner holds an MSc in Machine Learning from the University of Liverpool and a BSc in Mathematics from the University of Pretoria.