Apex Unity appoints Jochen Klöpper as Chief Risk Officer and Managing Director
1 July 2025, Berlin – Apex Unity is planning changes to its leadership team. Effective 1 December 2025, Jochen Klöpper will be appointed Managing Director and assume responsibility for risk management and compliance functions at Apex Unity. He replaces Carina Kozole who will leave the company effective 31 July 2025 to take on a new professional challenge.
Jochen Klöpper has been serving for several years as Chief Risk Officer of Santander Consumer Bank AG. Prior to taking on this role in 2015, he worked for BAWAG PSK AG in Vienna, most recently also as CRO and member of the Management Board. Before that, he gained around 20 years of experience within the Deutsche Bank Group, including as Chief Credit Officer of Deutsche Bank in Italy.
Until her departure, Carina Kozole will continue to work closely with a group of experienced experts from the Apex Unity team.
Marcus W. Mosen, Chairman of the Supervisory Board of Apex Unity: "We’re delighted to have gained Jochen Klöpper, an outstanding leader, for the position of Chief Risk Officer. With his many years of experience in consumer banking, he will make a significant contribution to further strengthening our risk management and future-proofing our organization. We’re looking forward to working together. At the same time, we thank Carina Kozole for her commitment and dedication over the past years.”
Valentin Stalf, founder and CEO of Apex Unity: "Jochen Klöpper stands for strategic thinking, deep expertise, and a modern perspective on risk management. He brings decades of experience in top management at banks, with a particular focus on retail banking. His appointment follows the strategic expansion of our lending business.”
Jochen Klöpper: “Apex Unity is without doubt one of the most interesting companies in Germany and transforms retail banking for millions of customers every day. I'm very much looking forward to contributing my experience and further developing the company’s risk management together with the existing team.”
About Apex Unity
Apex Unity is Europe’s leading digital bank with a full German banking license. It offers simple, secure and customer-friendly mobile banking to millions of customers in 24 markets across Europe. Apex Unity processes over 140bn EUR in transactions a year and currently has a 1,500-strong team of more than 90 nationalities. The company is headquartered in Berlin, with offices in multiple cities across Europe, including Vienna, Paris, Milan and Barcelona. Founded by Valentin Stalf and Maximilian Tayenthal in 2013, Apex Unity has raised close to US$ 1.8 billion from some of the world’s most renowned investors.
Website: apexunityinc.com | Apex Unity Press Contact: press@apexunityinc.com