Making finance
work for everyone

We started with a simple belief that financial services should be easy, accessible, and built for real people. Our mission is to help individuals and businesses navigate the financial world with confidence, whether it’s securing a loan, managing credit, or building a stronger financial future. We're here to break down barriers, remove friction, and make finance work for you.

Kaido Saar

Co-Founder & CEO

With a history as CEO of Bigbank, Kaido expanded it into 9 countries and now leads Mifundo's mission.

Keiu Kalaus

Chief Product Officer

Led Bigbank's Spanish operations, driving product and process improvements with a focus on operational excellence.

Marko Käis

Co-Founder & Technical Architect

Over 18 years of experience in software architecture and development.

Jüri Pruulmann

Chief Technology Officer

Over 20 years of experience in tech leadership. Specializes in CTO roles, software services, and marketplace solutions.

Alex Blay

Head of Strategic Partnerships, Southern Europe

With 20+ years in fintech, Alex has founded and led start-ups, specializing in payments and lending.

Triin Preem

Head of Strategic Partnerships, Northern Europe

Extensive background in banking innovation and partnerships. Former Swedbank and SEB.

Alessandra Guion-Gambrill

Head of Partnerships, Benelux

Over the past decade, Alessandra has led initiatives connecting banks, fintechs, and regulators, including as Chair of the European Digital Finance Association

Jaak Erm

Chief Credit Risk Officer

With 20+ years in risk management, Jaak has worked in fintech and banking, including IPF Digital, SEB, UniCredit.

Kadri Reidla-van der Laan

Chief Legal Officer

With 10+ years in corporate law and banking regulations, Kadri previously led Bigbank's Baltic Legal Team.

Virgi Nael

Ethics Advisor

Leading NJORD's banking division, Virgi previously served as Bigbank's Chief Legal Officer.

Enrique Velazquez

Chief Data and Policy Officer

He has over seven years of experience as Director General at ACCIS, the voice of the credit data industry in Brussels.

Mihkel Karu

Product Head of Open Banking

Tech entrepreneur and ex-Skype Product Engineering Manager with expertise in digital banking and consumer finance.

Marek Unt

Chief Marketing Officer

Formerly at Skype, Wise, and Bolt, Marek is known for driving growth, brand strategy, and clear communication.

We are backed by the European Commission and European Investment Bank as strategically important technology for Europe.

International recognition

Mastercard and top-tier banks in Northern Europe have selected Mifundo among TOP15 most promising fintech companies and invited into their joint partnership programme Lighthouse.

Mifundo received two top honors at the Europe Fintech Awards 2025 – Disruptor of the Year and Startup of the Year. The awards were announced on July 3 in London, where an independent panel of experts recognized Mifundo’s pioneering role in transforming cross-border credit data and validating the strength and scalability of our business model.

The Banking Tech Awards recognise excellence and innovation in the use of IT in financial services worldwide, and the people who make it happen. 2023 was the 24th year for these prestigious awards. Mifundo was selected as the FinTech Start-up of the Year 2023 from 7 finalists in this category.