Welcome to the leading white label payment
solutions provider

Sabrina Flunkert is the new CEO of Ratepay. Before assuming this role, she served as CFO since 2019 and Managing Director of the fintech company since 2021. With over fifteen years of experience in the financial and retail industry, she has held significant positions at Private Equity fund EQT and UBS Investment Bank before becoming General Manager and CFO of global omnichannel retailer LUMAS and WhiteWall. Now, as CEO, she leverages her extensive expertise in value creation and leadership skills to further expand Ratepay’s success as a leading payment provider in the DACH region.

Denny Morawiak is the Chief Commercial Officer at Ratepay and is responsible for the market division. With over 12 years of experience in e-commerce and the consulting industry, he most recently served as Director EU Merchandising Services for Wayfair and previously as Asscociate Partner for McKinsey & Company.

Dr. Steven Lemm is Chief Risk and Data Officer at Ratepay, responsible for the entire risk management process as well as business intelligence and information security. With more than 15 years of experience in artificial intelligence and data science from the e-learning and e-commerce environment, he was most recently VP Data & Intelligence at the e-learning platform Babbel, Director Predictive Buying at the online retailer Zalando, and Chief Data Officer at the online shopping service Outfittery.

Carlos Sanchez is the Chief Product Officer (CPO) at Ratepay. A digital native Product & Design Leader, he has a passion for building and leading high-performance product, engineering, and operational teams. Carlos has extensive expertise in financial markets and has successfully worked with both startups and Fortune 500 companies across the US, Asia, and Europe.

Fluent in English and Spanish, Carlos brings a global perspective to Ratepay. As CPO, he leverages his international experience and leadership skills to drive Ratepay’s product innovation.