An interdisciplinary team of statisticians, actuaries and engineers building independent, explainable financial-strength ratings.
Holger is CEO and founder of RealRate. After earning his PhD in statistics he founded several fintech companies, driven by the idea of changing markets with new technology. He worked as an appointed actuary in the insurance industry and dealt with rating agencies — where he learned what needs to change to revolutionize the ratings industry.
Harald is the founder of Prozentor, a fintech, and Adspert, an online-marketing company using AI to serve innovative international corporations. He is an expert in combining operations, marketing and technology, with a focus on automated business models.
Information management partner supporting RealRate's data and analysis work.
Mirko is professor of Insurance Management and Economics at the University of Applied Sciences in Coburg. His fields of teaching and research are controlling and risk management, insurance supervision (Solvency II), cost accounting and digitalization.
