Freelancer profile translated to English.
Back to original languageAbout Thomas
I was the one who decided on loan applications — not advised, not analyzed: decided.
As a former Director & Head of Credit Analysis at a German specialized bank and Lead Analyst at one of the first German FinTechs for SME financing, I evaluated business models, financial plans, and pitch decks from the lender's perspective for over 15 years. Today, I bring this knowledge as a freelance consultant and expert.
I work in three areas:
→ Startups: Pitch Deck Review, Business Plan Analysis, and Financial & Liquidity Planning – to make your documents truly convincing to banks and investors.
→ SMEs & Growth Companies: Structuring and implementing growth financing (Debt) – without equity dilution, with direct access to financing partners.
→ Banks, FinTechs & Financial Service Providers: Temporary support in credit risk – scorecard development, KPI design, credit process optimization, and underwriting – project-based or temporary.
What sets me apart: I know both sides of the table. I know what questions credit decision-makers ask – and what answers are convincing. I work directly, practically, and without consulting jargon.
Previous projects: 100+ companies supported · €200M+ financing volume · Consulting services up to 80% subsidizable (BAFA / aws)
German
Native or bilingual
English
Fluent
Can work on-site
München (up to 50km)
Experience
- liquitektFounder & AdvisorCONSULTING AND AUDITSJuly 2024 - Today (1 year and 11 months)Munich, GermanyI support startups and SMEs in becoming bankable and successfully implementing growth financing – with the perspective of a former credit decision-maker.For startups:
- Pitch Deck Review
- Business Plan Analysis
- Financial & Liquidity Planning
From the perspective of someone who has reviewed and decided over 1,000 financing cases.For SMEs and startups with PoC: Structuring and brokering growth financing (Debt) – without equity dilution, with direct access to my network of financing partners.References: 100+ companies supported · €200M+ financing volume from previous positionsSubsidies: Consulting services up to 80% subsidizable (BAFA) - creditshelf AGSenior Credit Risk AnalystBANKING AND INSURANCEJuly 2022 - December 2023 (1 year and 5 months)Frankfurt, GermanyLead Analyst for Scale-up financing at one of the first German FinTechs for SME lending.I decided on growth financing for startups, scale-ups, and SMEs, evaluated business models and financial plans from a lender's perspective, and worked directly with venture capital investors.What this means for my clients today: I know the mindset of modern lenders and know exactly where classic consulting ends and a true lender mindset begins.
- Deutsche Handelsbank AGDirector | Head of Credit Analysis & Risk ControlBANKING AND INSURANCEApril 2020 - June 2022 (2 years and 2 months)GermanyResponsible for all bank credit decisions – from individual case review to final approval. Team leadership of 5 credit analysts.In this role, I evaluated hundreds of business models, financial plans, and pitch decks – from early-stage startups to established SMEs.Specialization: Working capital and growth financing for startups and SMEs in various industries.What this means for my clients today: I was the one who stamped the loan application – and I know exactly what documents, arguments, and figures make the difference between yes and no.
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Education
- Diploma in Economic GeographyLudwig Maximilian University of Munich2010
- Exchange SemesterTurku School of Economics at the University of Turku2007Auslandssemester