We enable people to invest in a fairer world.
aable is a fintech startup that connects compassionate investors to underbanked people across the world. Through aable, people borrow what they need to thrive, at rates they can repay. And investors make a difference – and earn interest along the way.
|1️⃣||People invest in aable.|
|2️⃣||aable issues loans to credible borrowers.|
|3️⃣||Borrowers put the loan to work|
|4️⃣||They repay aable, we repay investors.|
Repeat, thrive, and repeat. 🔄
Meet the team.
aable is a mission-driven team of investment and impact professionals. Our advisors span the private credit, philanthropic, and legal fields – and the globe. Switzerland is our HQ.We are a pre-seed venture preparing for launch. And we’re hiring.
🚀 Launch Team
The company is driven by a group of experienced impact-seekers. We have a passion in building networks for impact, leveraging investments, and putting strategic solutions to practice. Our founding launch team combines expertise in credit management and asset allocation, impact investment and development finance, coding and product development, strategic planning and international affairs, as well as regulatory compliance and corporate finance.
🧭 Leadership Council
Serving as the advisory board of the company, the council is composed of distinguished leaders and the brightest minds across multiple sectors who share a commitment to advancing financial inclusion and sustainable development through private sector innovation. As trusted advisors and critical thinkers, Leadership Council members are periodically consulted on key strategic and operational decisions and growth opportunities.
📈 Operational Team
Are you passionate about sustainable development and financial inclusion? Are you driven by innovation and inspired by untapped opportunities? Do you have successful experience in business and development, coding and team leadership under your belt? Then we want you at aable!Check out our current openings!
Because lending isn’t just about money.
Billions of people could afford healthier, more stable lives, if only they had a tool to borrow and repay a fair amount, over a reasonable time.Our borrowers pursue powerful opportunities. We empower them to weather storms – and afford to thrive.Because lending is about building a future. For families, communities, and countries.
Unlocking responsible investing across borders.
aable makes it easy to invest in a fairer world. We offer the aable note, a fixed income product that funds our lending across the world. It will be available with varying maturities and to Europe-based investors.Before aable, few opportunities had been open to ordinary investors. And even fewer targeted the global credit gap.Let’s change that. So everyone can afford to thrive. 🌱
Debt spirals & poverty traps.
It is rare to have enough cash to pay for life’s expensive milestones – a new child, home, or business.
Billions of people, faced with this reality, have a brutal choice: go without, or borrow at rates they cannot afford.Where bank loans and credit cards are limited, people may turn wherever they can.
Lenders discriminate, exploit, or simply deny loans. Some trap borrowers in downward debt spirals. And the cycle continues.But we see a path out of this crisis.
How do we do it?
|✅||Investors who care||➡️||More patient and flexible capital|
|✅||Holistic data||➡️||Better assess credit risk|
|✅||Direct lending platform||➡️||Reduce overhead costs|
Curious about aable? Let’s stay in touch.
You’ll be the first to know when we open the doors to investors and launch worldwide.
✏️ Sign up to download our impact vision & strategy presentation.
❤️ 🌱 © aable Lending Services AG. All rights reserved.
Stefan spent most of his 20+ year career in credit related topics, managing distressed debt for Merrill Lynch, in charge of the European non-performing loan group for Credit Suisse and later transitioning to the asset allocation side, as the managing director of the Kuehne Holding family office, continuing to advise other European family offices on their fixed income allocation.He studied Finance at Munich University, did his PhD at the Technical University of Darmstadt in illiquid asset modeling and a post grad in Macroeconomics and Monetary Policy at the Kiel Institute for the World Economy.
Director of Impact
Katryn is a New York-based consultant on early-stage initiatives with a social or environmental commitment. She co-founded the tech startup Rabble, which connected Americans to new impact investment opportunities. Prior to Rabble, Katryn directed strategic development at InTrust Global Investments, an advisory firm supporting Mexico’s indigenous areas. She also worked on development finance at the Washington-based Emerging Markets Private Equity Association and at the International Finance Corporation (“IFC”). Prior to 2014, Katryn focused on global water challenges, with time at the policy-think tank CSIS, and the United Nations.Katryn received an MA from Johns Hopkins SAIS and a BA from University of Pennsylvania.
Junior Legal Counsel
Sarah is the Directorate Officer at the Austrian Farmer’s Association (Bauernbund). Previously she clerked at the Criminal Court and District Court of Civil Law and worked in several legal departments in the research and development sector. Later, she moved to the public sector and worked for the Federal Ministry of Defence and the Permanent Representation of Austria to the EU in their respective Attache divisions.She holds a Magister Iuris from the University of Salzburg, a Diploma in International Relations from the Diplomatic Academy of Vienna and is a PhD Candidate at the University of Innsbruck.
Christopher is CTO and co-founder of the Vienna-based startup Trality and has an experienced background in a variety of technical areas. He started his career in the area of machine learning working in previous startups and is passionate about building technologically challenging, consumer-facing solutions.He holds master's degrees from the University of Vienna, the Vienna University of Economics and Business Administration and CEMS.
Sidney is a seasoned dev-ops and system architect with over 9 years of experience working in financial technology. His work focused on functional design, system architecture, developer-operations liaison, UX, UI, and project management.He is also a qualified coffee cupping expert certified by the Coffee Quality Institute, and founder of a coffee supply chain management platform currently in stealth mode in Nairobi.
Senior Legal Counsel
Anthony was a Director of Credit Suisse in New York and in London, a Managing Director and General Counsel of GE’s Capital Markets Group, a Managing Director of Patomak Global Partners, a regulatory compliance consulting firm, General Counsel of a finance company, and a Director at Nomura Securities International. Anthony started his career as a corporate finance associate at a major international law firm.He has a B.A. and a J.D. from the University of Virginia.
Maximilian M. Meduna
Director of Strategy
Max is managing a portfolio of projects at the Policy Unit of the International Centre for Migration Policy Development (ICMPD). Previously, at other international organisations, Max led efforts on strategic planning and impact-focused management as Monitoring and Evaluation Officer, worked on private sector development at the World Bank, peace operations and organised crime at the United Nations, subnational governance at New York University Abu Dhabi, and headed the global trends unit at the International Peace Institute.He holds master’s degrees from the Johns Hopkins University SAIS, the Diplomatic Academy and the University of Vienna.
Andrea has worked in international affairs and conflict resolution for the last twenty-five years. She is currently Senior Advisor to the International Dialogue Centre and board member of the Ban Ki-moon Center for Global Citizens.Her previous roles in global organizations include the position of Senior Director of the International Peace Institute and, among other board and leadership positions, President of the UN Delegates Association and Vice President of the Women’s International Forum. Andrea lived in Damascus, Dakar, New York, and Vienna.She is married to Gerhard Pfanzelter, former Permanent Representative of Austria to the United Nations.
Mr Møller has over 40 years of experience in leadership positions in the United Nations. He served as Under-Secretary-General of the United Nations, Director-General of the UN Office at Geneva as well as Secretary-General of the UN Conference on Disarmament and personal representative of the Secretary-General to the conference.Mr Møller is president of the Diplomatic Forum of the Geneva Science and Diplomacy Anticipator Foundation, principal advisor at Macro Advisory Partners and member of the boards of several foundations, including the Kofi Annan Foundation, where he previously served as Executive Director.
Mr Sy is the former Secretary General of the International Federation of Red Cross and Red Crescent Societies (IFRC). He currently serves as Chair of the Board of the Kofi Annan Foundation and Co-Chair of the Global Preparedness Monitoring Board.Previously, Mr Sy held leadership positions with UNICEF, the United Nations Development Programme in New York, with the Global Fund to fight AIDS, Tuberculosis and Malaria and with UNAIDS. Before joining the United Nations, Mr Sy served as Director of Health and Development Programmes with Environment and Development Action in the Third World in Dakar, Senegal.
Mr Cleary is the Founder of the FutureWorld Foundation, Chairman of Strategic Concepts (Pty) Ltd, and a Director of Companies. He served in the South African Navy before a diplomatic career in the Middle East, United States and Namibia. As Chief Director in Namibia, he initiated negotiations between all political parties, the release of political prisoners and adoption of a justiciable Bill of Rights. He was a member of the Facilitating and Preparatory Committees for the National Peace Accord in South Africa and chaired the Working Group on the Code of Conduct for Political Parties.He is on the Faculty of the Parmenides Foundation and lectures on global corporate strategy, conflict resolution and development. He serves on several advisory councils, including the Club de Madrid, EIT-Climate-KIC, and the Carnegie Artificial Intelligence and Equality Initiative.
Mr Sheldrick is a Co-Founder and Chief Policy, Impact and Government Relations Officer at Global Citizen. Working with world-famous artists and leaders, he spearheaded campaigns that have raised over $35 billion over the past decade towards ending extreme poverty. Through other campaigns he led, $118 million were raised towards ending polio and 26 million vaccines were committed for developing countries.Mr Sheldrick also serves as board member for the Ban Ki-moon Centre for Global Citizens and the Advisory Board of Parliamentarians for the Global Goals. He holds degrees in law and political science from the University of Western Australia, and was 2013 Young Western Australian of the Year.
Orpa has spent the last few years working as a management consultant across various industries focusing on strategy projects, ranging from M&A executions & integration to strategic communications. With her international upbringing, she brings a globalised perspective and a deep passion for creating an impact in underserved communities.Orpa holds a BA in Psychology and Economics from the University of British Columbia and is currently pursuing her MBA at the University of St. Gallen.
🚨 We are hiring❕
🪄 Chief Executive Officer
Who We Are
We are an early stage fintech startup that provides fairly-priced loans to people who deserve it most world-wide. Where banking is limited and loan sharks common, our mission is to provide a safer way to borrow.As an active advisory board across five countries, we’ve laid the groundwork for aable to thrive. We recently deployed pilot-size loans to deserving entrepreneurs in Zambia and Kenya; now, we’re recruiting a CEO to launch us globally.Job Overview
We are seeking an outstanding CEO who is passionate about launching and scaling a company that is equal parts social mission and financial innovation.We’ve proven there’s a huge opportunity to loan fairly to qualified borrowers who would otherwise be exploited or overlooked – and a pent-up demand amongst investors for products that make a difference. Our CEO will build the team, product, and vision to make this possible.Our product is multi-dimensional, so we’re recruiting someone who grasps the very different aspects of our business, raising capital from compassionate investors, lending to borrowers in emerging markets – all through a digital platform with intelligent due diligence in the back-end.The ideal candidate has demonstrated experience building and leading teams with an innovative product in challenging environments. You’re a big thinker but dive into operations. You love autonomy but collaborate easily. You see the promise of a world with fairer lending – and inspire others to make it a reality.The CEO will work closely with our advisory board, who range from investment management, regulatory compliance, development finance, and tech start-up backgrounds.Responsibilities
As the first full-time employee for aable, the CEO will wear multiple hats and have significant discretion in decision-making. The primary responsibility of the CEO is creating the operational systems, digital & financial products, and go-to-market strategy to bring aable from a proven pilot to a growing business. In consultation with our advisors, the CEO will:➡️ Lead launch strategy
• Determine which market(s) to launch and focus – where social need meets growth opportunity
• Adapt our long-term strategy into a company and product launch roadmap
• Devise a marketing plan & strategy to acquire new borrowers and lenders
• Identify benchmarks
• Assess and mitigate risks – from regulatory, technological, to reputational➡️ Build a team
• Attract and retain talent, from a small, lean team and beyond
• Cultivate a united culture across continents➡️ Execute on operations
• Juggle multiple demands as the first employee
• Develop & own a financial plan and operating budget
• Create and deploy project management processes
• Establish, achieve, and report on milestones to the Board➡️ Refine the product
• Develop and lead execution of our financial product(s) on both the borrowing and lending sides
• Oversee creation of the digital lending platform to facilitate investments
• Streamline & innovate due diligence process
• Tighten impact monitoring & reporting to investors➡️ Create the brand
• Engage designers to create a brand identity that makes aable uniquely us➡️ Inspire advocates
• Alongside our advisors, cultivate strategic partners who help us raise capital, place loans, and magnify our impact
• Through public speaking and media, position aable as a thought-leaderDesired Qualifications
We value candidates from a variety of backgrounds, rather than a rigid list of experiences.
Because we straddle multiple industries, relevant industries include (but are not limited to); management consulting, financial services, venture capital, impact investing, digital tech startup, and humanitarian operations. Experience operating in emerging markets – from an entrepreneurial or investment perspective – is a plus.✅ 5+ years of building high-caliber products or teams from the ground-up
✅ Excellent leadership, negotiation, and management skills
✅ Experience in raising capital and investor relations
✅ Interacting at a senior level with a Board of Directors
✅ Experience developing digital products and solutions
✅ P&L responsibilities at C-suite level
✅ A Master’s degree in business administration, finance, or international economicsLocation: Work will be remote, so location is flexible. English is required; a second language is desired.
Compensation: The competitive salary package includes a sizable equity compensation.To apply: Send inquiries, in the format of a resume and brief letter of introduction, to [email protected]
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