Governance
Management Board
Inbank’s Management Board is the executive body responsible for the day-to-day management of the company and the implementation of its strategy. It includes the CEO and other seasoned experts covering finance, risk, legal, product and technology, sales, business development, and growth. The Management Board ensures effective execution of decisions, maintains strong internal controls, and drives sustainable growth across the organization.
Priit Põldoja
CEO, Chairman of the Management Board, Founder
Date of first appointment: 5 October 2010
Start of current term: 12 March 2024
Experience: Priit Põldoja is a seasoned banking and financial services executive with over 30 years of experience in banking and fintech. As CEO, he is responsible for the strategic direction of Inbank, the implementation of short- and long-term plans. He began his career at Dai-Ichi Kangyo Bank and went on to hold senior executive roles at Hansabank (now Swedbank), serving as CEO in 2005–2008. Priit has played a key role in scaling standout fintech ventures like Maksekeskus and Coop Finants, the financial arm of Estonia’s leading supermarket chain. Priit holds a bachelor’s degree in Business and Finance from Mount Saint Mary’s College.
Marko Varik
CFO, Member of the Management Board
Date of first appointment: 18 March 2015
Start of current term: 12 March 2024
Experience: Marko Varik is an experienced finance executive with a strong background in financial and risk management in the banking industry. He has worked at Inbank for over 10 years, including two terms as CFO and a period as Chief Risk Officer from 2019 to 2022. In his current role as CFO, he is responsible for financial planning, performance steering, balance sheet strategy, financial risk management (first line of defence), data availability and reporting. He also serves as Inbank’s Deputy CEO. Earlier in his career, he held various roles at Swedbank and served as CFO of Coop Finance (now Coop Bank). He holds a bachelor’s degree in mathematics from the University of Tartu.
Piret Paulus
Head of Growth and Business Development, Member of the Management Board
Date of first appointment: 5 May 2017
Start of current term: 1 November 2025
Experience: Piret Paulus is a seasoned consumer finance expert with 20+ years of experience in the industry. As Head of Growth and Business Development at Inbank, she is responsible for driving the growth agenda and group-wide business development activities. Between 2004 and 2011, she held senior roles at Swedbank, leading the Credit Cards and Consumer Finance units. Before joining Inbank, she managed Coop Finants (later Coop Bank), a joint venture between Inbank (formerly Cofi) and Coop Eesti. She also serves as the Member of the Management Board at FinanceEstonia. Piret studied Mathematics at the University of Tartu and later obtained a bachelor’s degree in Communication Management from the University of Tartu.
Maciej Pieczkowski
Head of CEE Business, Member of the Management Board
Date of first appointment: 19 October 2020
Start of current term: 30 October 2023
Experience: Maciej Pieczkowski has 25+ years of experience in banking and financial services with a strong background in product management, business development, growth strategies and leadership. As Head of CEE Business, he is responsible for developing and implementing Inbank’s business strategy in the region and managing local sales, marketing, and customer support functions. Before joining Inbank, Maciej held Managing Director positions in BPH Bank (part of the GE International Group). He has also held leadership roles at Bank Pekao and Xelion Doradcy Finansowi (both UniCredit Group). He has a master’s in Finance from the Krakow University of Economics.
Margus Kastein
Head of Baltic Business, Member of the Management Board
Date of first appointment: 19 October 2020
Start of current term: 30 October 2023
Experience: Margus Kastein has over 25 years of experience in business development and leadership within the fast-moving consumer goods (FMCG) industry. As Head of Baltic Business, he is responsible for developing and implementing Inbank’s business strategy in the region and managing local sales, marketing, and customer support functions. In addition, he serves as Chairman of the Supervisory Board of Mobire Group, Inbank’s wholly owned subsidiary. Prior to joining Inbank, he held leadership positions at Saku Õlletehas and served as CEO of Saku (Estonia) and Aldaris (Latvia) Breweries from 2011 to 2016, the largest brewing factories in the region. He has also served as CEO of Ingman Jäätised, part of the Arla Group. He holds an Executive MBA in Strategic Management from the University of Tartu.
Erik Kaju
Chief Product and Technology Officer, Member of the Management Board
Date of first appointment: 1 November 2022
Start of current term: 1 November 2025
Experience: Erik Kaju is an experienced product and technology leader with a strong track record in building scalable digital solutions and driving innovation in financial services. As Chief Product and Technology Officer, he is responsible for designing and executing Inbank’s product and technology strategy and leads a team of more than 150 product experts and software engineers. Before joining Inbank, he was Director of Engineering at Wise, a global fintech headquartered in London, from 2014 to 2022. Earlier he worked as a Software Engineer at Knowit Net Result and Proekspert.He holds a bachelor’s degree in Information Technology Systems Development from the Estonian Information Technology College, and a master’s degree in Computer Systems from Tallinn University of Technology.
Evelin Lindvers
Head of Risk Control, Member of the Management Board
Date of first appointment: 7 August 2023
Start of current term: 7 August 2023
Experience: Evelin Lindvers is an experienced risk and compliance professional with more than 20 years of experience in the financial services industry. As Inbank’s Head of Risk Control, she is responsible for the group's compliance and risk control areas, including credit, financial and non-financial risk. Earlier in her career, she worked for more than a decade at Hansapank (now Swedbank) in the credit area. From 2008 to 2021, she served as certified Auditor at PricewaterhouseCoopers, and in 2019 she also joined PwC’s Board. Evelin holds a bachelor’s degree in Accounting and Finance from Estonian Business School and is a sworn financial auditor certified in Estonia.
Ivar Kurvits
Chief of Staff, Member of the Management Board
Date of first appointment: 16 March 2022
Start of current term: 17 October 2024
Experience: Ivar Kurvits is an accomplished legal professional with a strong background in corporate governance. As Chief of Staff at Inbank, he is responsible for managing and coordinating the governance framework, facilitating the executive decision-making process, managing high-priority projects, and overseeing the legal unit. Before joining Inbank, he served as General Counsel at Eesti Energia, a fully integrated energy group, from 2010 to 2015. Earlier he worked at Sorainen as an attorney at law. He holds a bachelor’s degree in Law from the University of Tartu and an LL.M. in Commercial Law from the University of Edinburgh, and has attended executive trainings at INSEAD and Harvard Business School.
Erkki Raasuke
Chairman of the Supervisory Board
Date of first appointment: 1 April 2023
Start of current term: 1 April 2023
Experience: Erkki Raasuke is a seasoned financial executive, non-executive board member, and strategic advisor with extensive experience in banking and corporate governance. From 1994 to 2011, Erkki worked at Hansapank and later Swedbank, holding various senior leadership roles, including CFO and Chairman of the Board. Between 2012 and 2013, he advised the Ministry of Economic Affairs and Communications, focusing on state-owned enterprise governance. He later served as Managing Director of LHV Group, CEO of Luminor Bank and as CFO at Skeleton Technologies. Erkki holds a master’s degree in Economics from the Tallinn University of Technology.
External appointments: Chairman of the Supervisory Board at the Estonian Business and Innovation Agency (EIS), Member of the Supervisory Board at Estonian Multiomics Company OÜ, Member of the Management Board at Ussilaka OÜ
Jan Andresoo
Member of the Supervisory Board
Date of first appointment: 5 October 2010
Start of current term: 31 March 2024
Experience: Jan Andresoo co-founded Inbank in 2010 and served as CEO until 2021, with a strong focus on product strategy. He chaired Inbank’s supervisory board from 2021 to 2025. Previously, he was CEO of Swedbank Leasing and Swedbank P&C Insurance (2006–2010) and was CEO of Estonian Business School Group (2003-2006). He has contributed to the launch and scale-up of Coop Finants, Veriff, and PSP Maksekeskus. He also co-founded Paywerk, a cross-border BNPL e-commerce platform, in 2021, which was acquired by Swedbank in 2024. Jan holds a master’s degree in International Business Administration from Estonian Business School.
External appointments: Member of the Board at Eesti E-Kaubanduse Liit and OÜ JP Consult
Roberto De Silvestri
Member of the Supervisory Board
Date of first appointment: 15 October 2010
Start of current term: 31 March 2024
Experience: Roberto de Silvestri is an established entrepreneur and investor. He is the founder and head of Colonna Capital, one of the largest players in the Baltic real estate market. He is also founder of the Colonna Charity Foundation. Previously, he held positions at Finter Bank Zurich, Finavest Monaco and G&G Private Finance. Roberto holds a Law degree from the Universita di Genova and a degree in Asset Management from SDA Bocconi in Milan.
External appointments: Honorary Consul of Estonia in Monaco, Member of the Supervisory Board at Sihtasutus Colonna Charity Foundation, Member of the Management Board at CGM Monaco and at various holding and real estate development companies
Triinu Bucheton
Member of the Supervisory Board
Date of first appointment: 19 June 2014
Start of current term: 31 March 2024
Experience: Triinu Bucheton is an investor and experienced consultant specializing in real estate, M&A transactions, and corporate structuring and management. She has worked at Ellex law firm as well as PwC and EY. She spent over ten years as part of the management team overseeing the real estate portfolio of Colonna Capital, one of the largest players in the Baltic real estate market. Earlier in her career, she has also worked at Ellex law firm, PwC and EY. Triinu holds a master’s degree in Law from the University of Tartu and an MBA from Estonian Business School.
External appointments: Honorary Consul of Monaco in Estonia, Member of the Supervisory Board at Colonna Charity Foundation, Member of the Management Board at various holding and real estate development companies
Raino Paron
Member of the Supervisory Board
Date of first appointment: 15 October 2010
Start of current term: 31 March 2024
Experience: Raino Paron is Counsel at law firm Ellex Raidla. From 1998 to 2026, he was a Partner of the firm and led its Banking and Finance practice. Prior to joining Ellex, he worked at the World Bank in Washington, D.C. He has contributed to the development of Estonia’s financial and corporate legal framework, participating in the drafting of key legislation, including the Credit Institutions Act and the Financial Supervision Authority Act. Raino also took part in establishing the Tallinn stock exchange (now Nasdaq Tallinn). His work has supported landmark capital markets transactions in Estonia, including early IPOs and bond issuances. He holds a master’s degree in law from Georgetown Law (with distinction) and a bachelor’s degree in law from the University of Tartu (cum laude).
External appointments: Member of the Supervisory Board at Tallink Grupp, Member of the Management Board at FinanceEstonia, Chairman of the Arbitration Court at Nasdaq Tallinn
Sergei Anikin
Member of the Supervisory Board
Date of first appointment: 1 April 2025
Start of current term: 1 April 2025
Experience: Sergei Anikin is a recognized technology leader, angel investor, and board member with extensive experience in scaling startups and driving innovation. As of November 2025, he works as Director of Engineering at Bolt, Europe’s leading shared mobility and delivery app. Previously, he served as CTO at Pipedrive, where he helped scale the company from a 20-person startup to its acquisition by Vista Equity Partners, growing the engineering organization from 10 to over 400 and increasing annual recurring revenue from $1 million to $100 million. Sergei has also held leadership roles at Tuum, Microsoft, Skype, and Hansabank (now Swedbank) and holds a master’s degree in Data Processing from TalTech.
External appointments: Chairman of the Supervisory Board at Bisly, Chairman of the Supervisory Board at Katana
Isabel Faragalli
Member of the Supervisory Board
Date of first appointment: 1 April 2025
Start of current term: 1 April 2025
Experience: Isabel Margaret Anne Faragalli is an experienced investment professional with over 30 years of experience in investment banking, asset management, and structured finance. She is Head of Investments Europe at Spectrum Asset Management, leading investment strategy, asset origination, and business development across Europe. Previously, she spent over 20 years at the Credit Suisse group within the Investment Banking Division, focusing on capital markets solutions and credit structuring for Banks and consumer credit companies across Europe, and has also held senior roles at EFG Bank, Swiss Re and Man Investments. Isabel holds an MSc in Finance & Financial Law from the University of London and is a qualified English lawyer (non-practicing).
Priit Põldoja
CEO, Chairman of the Management Board, Founder
Date of first appointment: 5 October 2010
Start of current term: 12 March 2024
Experience: Priit Põldoja is a seasoned banking and financial services executive with over 30 years of experience in banking and fintech. As CEO, he is responsible for the strategic direction of Inbank, the implementation of short- and long-term plans. He began his career at Dai-Ichi Kangyo Bank and went on to hold senior executive roles at Hansabank (now Swedbank), serving as CEO in 2005–2008. Priit has played a key role in scaling standout fintech ventures like Maksekeskus and Coop Finants, the financial arm of Estonia’s leading supermarket chain. Priit holds a bachelor’s degree in Business and Finance from Mount Saint Mary’s College.
Marko Varik
CFO, Member of the Management Board
Date of first appointment: 18 March 2015
Start of current term: 12 March 2024
Experience: Marko Varik is an experienced finance executive with a strong background in financial and risk management in the banking industry. He has worked at Inbank for over 10 years, including two terms as CFO and a period as Chief Risk Officer from 2019 to 2022. In his current role as CFO, he is responsible for financial planning, performance steering, balance sheet strategy, financial risk management (first line of defence), data availability and reporting. He also serves as Inbank’s Deputy CEO. Earlier in his career, he held various roles at Swedbank and served as CFO of Coop Finance (now Coop Bank). He holds a bachelor’s degree in mathematics from the University of Tartu.
Piret Paulus
Head of Growth and Business Development, Member of the Management Board
Date of first appointment: 5 May 2017
Start of current term: 1 November 2025
Experience: Piret Paulus is a seasoned consumer finance expert with 20+ years of experience in the industry. As Head of Growth and Business Development at Inbank, she is responsible for driving the growth agenda and group-wide business development activities. Between 2004 and 2011, she held senior roles at Swedbank, leading the Credit Cards and Consumer Finance units. Before joining Inbank, she managed Coop Finants (later Coop Bank), a joint venture between Inbank (formerly Cofi) and Coop Eesti. She also serves as the Member of the Management Board at FinanceEstonia. Piret studied Mathematics at the University of Tartu and later obtained a bachelor’s degree in Communication Management from the University of Tartu.
Maciej Pieczkowski
Head of CEE Business, Member of the Management Board
Date of first appointment: 19 October 2020
Start of current term: 30 October 2023
Experience: Maciej Pieczkowski has 25+ years of experience in banking and financial services with a strong background in product management, business development, growth strategies and leadership. As Head of CEE Business, he is responsible for developing and implementing Inbank’s business strategy in the region and managing local sales, marketing, and customer support functions. Before joining Inbank, Maciej held Managing Director positions in BPH Bank (part of the GE International Group). He has also held leadership roles at Bank Pekao and Xelion Doradcy Finansowi (both UniCredit Group). He has a master’s in Finance from the Krakow University of Economics.
Margus Kastein
Head of Baltic Business, Member of the Management Board
Date of first appointment: 19 October 2020
Start of current term: 30 October 2023
Experience: Margus Kastein has over 25 years of experience in business development and leadership within the fast-moving consumer goods (FMCG) industry. As Head of Baltic Business, he is responsible for developing and implementing Inbank’s business strategy in the region and managing local sales, marketing, and customer support functions. In addition, he serves as Chairman of the Supervisory Board of Mobire Group, Inbank’s wholly owned subsidiary. Prior to joining Inbank, he held leadership positions at Saku Õlletehas and served as CEO of Saku (Estonia) and Aldaris (Latvia) Breweries from 2011 to 2016, the largest brewing factories in the region. He has also served as CEO of Ingman Jäätised, part of the Arla Group. He holds an Executive MBA in Strategic Management from the University of Tartu.
Erik Kaju
Chief Product and Technology Officer, Member of the Management Board
Date of first appointment: 1 November 2022
Start of current term: 1 November 2025
Experience: Erik Kaju is an experienced product and technology leader with a strong track record in building scalable digital solutions and driving innovation in financial services. As Chief Product and Technology Officer, he is responsible for designing and executing Inbank’s product and technology strategy and leads a team of more than 150 product experts and software engineers. Before joining Inbank, he was Director of Engineering at Wise, a global fintech headquartered in London, from 2014 to 2022. Earlier he worked as a Software Engineer at Knowit Net Result and Proekspert.He holds a bachelor’s degree in Information Technology Systems Development from the Estonian Information Technology College, and a master’s degree in Computer Systems from Tallinn University of Technology.
Evelin Lindvers
Head of Risk Control, Member of the Management Board
Date of first appointment: 7 August 2023
Start of current term: 7 August 2023
Experience: Evelin Lindvers is an experienced risk and compliance professional with more than 20 years of experience in the financial services industry. As Inbank’s Head of Risk Control, she is responsible for the group's compliance and risk control areas, including credit, financial and non-financial risk. Earlier in her career, she worked for more than a decade at Hansapank (now Swedbank) in the credit area. From 2008 to 2021, she served as certified Auditor at PricewaterhouseCoopers, and in 2019 she also joined PwC’s Board. Evelin holds a bachelor’s degree in Accounting and Finance from Estonian Business School and is a sworn financial auditor certified in Estonia.
Ivar Kurvits
Chief of Staff, Member of the Management Board
Date of first appointment: 16 March 2022
Start of current term: 17 October 2024
Experience: Ivar Kurvits is an accomplished legal professional with a strong background in corporate governance. As Chief of Staff at Inbank, he is responsible for managing and coordinating the governance framework, facilitating the executive decision-making process, managing high-priority projects, and overseeing the legal unit. Before joining Inbank, he served as General Counsel at Eesti Energia, a fully integrated energy group, from 2010 to 2015. Earlier he worked at Sorainen as an attorney at law. He holds a bachelor’s degree in Law from the University of Tartu and an LL.M. in Commercial Law from the University of Edinburgh, and has attended executive trainings at INSEAD and Harvard Business School.
Erkki Raasuke
Chairman of the Supervisory Board
Date of first appointment: 1 April 2023
Start of current term: 1 April 2023
Experience: Erkki Raasuke is a seasoned financial executive, non-executive board member, and strategic advisor with extensive experience in banking and corporate governance. From 1994 to 2011, Erkki worked at Hansapank and later Swedbank, holding various senior leadership roles, including CFO and Chairman of the Board. Between 2012 and 2013, he advised the Ministry of Economic Affairs and Communications, focusing on state-owned enterprise governance. He later served as Managing Director of LHV Group, CEO of Luminor Bank and as CFO at Skeleton Technologies. Erkki holds a master’s degree in Economics from the Tallinn University of Technology.
Jan Andresoo
Member of the Supervisory Board
Date of first appointment: 5 October 2010
Start of current term: 31 March 2024
Experience: Jan Andresoo co-founded Inbank in 2010 and served as CEO until 2021, with a strong focus on product strategy. He chaired Inbank’s supervisory board from 2021 to 2025. Previously, he was CEO of Swedbank Leasing and Swedbank P&C Insurance (2006–2010) and was CEO of Estonian Business School Group (2003-2006). He has contributed to the launch and scale-up of Coop Finants, Veriff, and PSP Maksekeskus. He also co-founded Paywerk, a cross-border BNPL e-commerce platform, in 2021, which was acquired by Swedbank in 2024. Jan holds a master’s degree in International Business Administration from Estonian Business School.
Roberto De Silvestri
Member of the Supervisory Board
Date of first appointment: 15 October 2010
Start of current term: 31 March 2024
Experience: Roberto de Silvestri is an established entrepreneur and investor. He is the founder and head of Colonna Capital, one of the largest players in the Baltic real estate market. He is also founder of the Colonna Charity Foundation. Previously, he held positions at Finter Bank Zurich, Finavest Monaco and G&G Private Finance. Roberto holds a Law degree from the Universita di Genova and a degree in Asset Management from SDA Bocconi in Milan.
Triinu Bucheton
Member of the Supervisory Board
Date of first appointment: 19 June 2014
Start of current term: 31 March 2024
Experience: Triinu Bucheton is an investor and experienced consultant specializing in real estate, M&A transactions, and corporate structuring and management. She has worked at Ellex law firm as well as PwC and EY. She spent over ten years as part of the management team overseeing the real estate portfolio of Colonna Capital, one of the largest players in the Baltic real estate market. Earlier in her career, she has also worked at Ellex law firm, PwC and EY. Triinu holds a master’s degree in Law from the University of Tartu and an MBA from Estonian Business School.
Raino Paron
Member of the Supervisory Board
Date of first appointment: 15 October 2010
Start of current term: 31 March 2024
Experience: Raino Paron is Counsel at law firm Ellex Raidla. From 1998 to 2026, he was a Partner of the firm and led its Banking and Finance practice. Prior to joining Ellex, he worked at the World Bank in Washington, D.C. He has contributed to the development of Estonia’s financial and corporate legal framework, participating in the drafting of key legislation, including the Credit Institutions Act and the Financial Supervision Authority Act. Raino also took part in establishing the Tallinn stock exchange (now Nasdaq Tallinn). His work has supported landmark capital markets transactions in Estonia, including early IPOs and bond issuances. He holds a master’s degree in law from Georgetown Law (with distinction) and a bachelor’s degree in law from the University of Tartu (cum laude).
Sergei Anikin
Member of the Supervisory Board
Date of first appointment: 1 April 2025
Start of current term: 1 April 2025
Experience: Sergei Anikin is a recognized technology leader, angel investor, and board member with extensive experience in scaling startups and driving innovation. As of November 2025, he works as Director of Engineering at Bolt, Europe’s leading shared mobility and delivery app. Previously, he served as CTO at Pipedrive, where he helped scale the company from a 20-person startup to its acquisition by Vista Equity Partners, growing the engineering organization from 10 to over 400 and increasing annual recurring revenue from $1 million to $100 million. Sergei has also held leadership roles at Tuum, Microsoft, Skype, and Hansabank (now Swedbank) and holds a master’s degree in Data Processing from TalTech.
Isabel Faragalli
Member of the Supervisory Board
Date of first appointment: 1 April 2025
Start of current term: 1 April 2025
Experience: Isabel Margaret Anne Faragalli is an experienced investment professional with over 30 years of experience in investment banking, asset management, and structured finance. She is Head of Investments Europe at Spectrum Asset Management, leading investment strategy, asset origination, and business development across Europe. Previously, she spent over 20 years at the Credit Suisse group within the Investment Banking Division, focusing on capital markets solutions and credit structuring for Banks and consumer credit companies across Europe, and has also held senior roles at EFG Bank, Swiss Re and Man Investments. Isabel holds an MSc in Finance & Financial Law from the University of London and is a qualified English lawyer (non-practicing).
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