Group Management


Tarmo Sild
Chief Executive Officer

Tarmo Sild graduated from the University of Tartu with a degree in law and holds a Master’s degree with distinction in Law from Vrije Universiteit Brussels. Prior to IuteCredit, he was founding partner of the law firm LEXTAL.

Kristel Kurvits
Kristel Kurvits
Chief Financial Officer

Kristel Kurvits holds a Master’s degree in Financial Management from the Estonian Business School. Before joining IuteCredit in 2017, she was responsible for accounting for Ektornet Land Estonia OÜ (part of Swedbank Group) and financial reporting of Group companies.

Allar Niinepuu
Allar Niinepuu
Chief Commercial Officer

Allar Niinepuu graduated from the Estonian Maritime Education Center in 1992 with a degree in ship mastery. Allar is a member of the Supervisory Board of Arco Vara AS and member of the Management Board of Alarmo Kapital, GEST Invest Grupp, Intelligent Robots and Kavass.

Andres Klettenberg
Andres Klettenberg 
Chief Risk Officer

Andres Klettenberg graduated from Tartu University in 2012 and has a Master’s degree in Entrepreneurship and Technology Management. Before joining IuteCredit, Andres worked as the CRO at Alexela Energia AS and has previous experience within the banking sector, having worked for Bigbank.

Mart Nael
Mart Nael 
Chief Operating Officer

Mart Nael has 18 years of experience in the field of technology. His former positions include CTO at Omniva and Bigbank, as well as Head of Operations at Swedbank and Telia. Mart is a graduate of the London Business School Executive Leadership programme and has studied Computer and Systems Engineering at Tallinn University of Technology.

Goksu Tugay
Goksu Tugay 
Chief Customer Experience Officer

Goksu Tugay Bilal graduated from Middle East Technical University with Management degree, and holds an MBA and MS MIS degree from University of Illinois at Chicago. She has over 20 years of experience in Customer Experience, CRM, and project management. Before IuteCredit, she was in charge of the customer experience management at Hepsiburada-the largest e-commerce platform in Turkey and managed Customer Experience and CRM teams in one of the leading banks of Europe – Garanti BBVA.