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Raffael Johnen is the Co-Founder and Chief Executive Officer of auxmoney, a leading consumer credit marketplace based in Germany. Prior to his entrepreneurial ventures, he served as a Vice President at Rothschild Investment Bank in Frankfurt, where he spent several years specializing in corporate finance advisory and principal investments. Expanding his footprint in the financial sector, he also co-founded Excellion Capital, a London-based merchant banking boutique focused on technology-driven financial services and investments. Johnen has frequently presented his lending platform at several major European industry events. Specifically, he delivered company presentations at the NOAH Conference in London during November 2017 and in Berlin during June 2018, alongside appearances at the Paris Fintech Forum. His current focus centers on scaling digital consumer lending infrastructure, managing merchant banking operations, and advancing consumer credit accessibility across Continental Europe.