Karlheinz Toni

I’ve failed, I’ve built, I’ve sold, and I’ve started over. Each chapter taught me something new about what makes companies thrive… and what makes them stall. The pattern is clear: vision only matters when it’s executed, data only matters when it improves outcomes, and leadership only matters when it sustains both culture and results. Everything else is overhead.

I bring over 20 years of executive experience across CEO, CTO, and board advisory roles in VC- and PE-backed businesses. As CEO of Tinka, I led the carve-out of a 65-year-old consumer finance arm into a market-leading FinTech with over EUR 1bn in annual underwriting, driving growth, negotiating ABS structures, lifting both customer and employee NPS, and steering the company through h

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