Who manages the bank:

Our management

Uwe Lüders is a qualified banker (German Chamber of Commerce); he studied in Erlangen-Nuremberg, Berlin and Detroit, graduating with master’s degrees in economics and business administration. After starting his career with a management consultancy, he held senior positions in medium-sized banks in the areas of corporate development, finance and risk management. After this, as chief risk officer for a financial holding group, he was responsible for the areas of compliance and risk management. He joined ProCredit Bank AG in 2014 as Chief Representative. Since January 2015 he has been a member of the Management Board, and is currently responsible for finance, risk management, compliance and audit.

Emilia Tzareva studied International Relations in Sofia, Bulgaria. Starting in 1996, she served as a Relationship Manager Corporate, and then as Deputy Head Corporate of BNP-Dresdner Bank (Bulgaria). In 2001, she joined ProCredit Bank Bulgaria and oversaw the conceptual development and operations of the Payments, Back Office and Medium-sized Enterprises departments before joining the Management Board of PCB Bulgaria in 2004. In 2007/2008 she supported the founding of the ProCredit Bank in Germany, in particular the conceptual design of the Transaction Banking unit. In 2008, she returned to ProCredit Bank Bulgaria as a member of the Management Board and Executive Director. Since April 2018, she has been a member of the Management Board of ProCredit Bank Germany and is currently responsible for the areas of Business and Private Client Support, Transaction Business, Treasury and Product Management.

Christian Kistner earned his qualifications as a banker (German Chamber of Commerce) with Dresdner Bank AG in Nuremberg. He then went on to study business administration in Frankfurt and in San Diego, California. In the early part of his career he occupied senior positions in the sales and risk management divisions of Dresdner Bank AG. From mid-2008 he headed Commerzbank AG’s global credit risk management for banks and later for business clients. He joined the ProCredit group in 2017, and since April 2019 he has been a Management Board member with responsibility for credit risk management, legal department, back office and human resources.

Bettina Eberle is a qualified economist and graduate of the German Development Institute. Following her role in building up and managing various branches of ProCredit Bank Kosovo, she managed the bank’s retail activities and business with institutional clients. In 2005 she assumed responsibility for banking services at ProCredit Holding AG, making significant contributions to the conceptual development of deposit-taking in the ProCredit group. Since the beginning of 2012 she has managed customer service as a holder of a general commercial power of attorney for ProCredit Bank AG.

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