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Jörg Peter Kowalewski

Managing Partner

Jörg P. Kowalewski has many years of experience in the credit insurance sector. He was employed at Atradius Kreditversicherung as a team leader for Germany and was responsible for supporting the international program. Previously, at an internationally operating management consulting firm Jörg accompanied projects in sales, management and marketing for internationally operating corporate customers. Accordingly, the development and implementation of sales strategies belonged to his area of responsibility.

Within the scope of his job as a Senior Consultant, Jörg also assisted companies during the integration of key account management functions as well as the related qualification of employees. He began his career in the banking sector. Here he held various management positions in sales as well as in personnel and organizational development.

This complementary know-how is an ideal foundation for the individual customer consulting at km credit consulting gmbh.

Markus Moritz

Managing Partner

Markus Moritz has gained many years of experience in the credit insurance sector. Over the course of the last few years, the focus of activities was geared towards creating individual coverage concepts for international corporate clients, especially aligned to their structures and processes. As the responsible Director at Atradius Kreditversicherung, he was also active in this area. Markus began his career at Citibank, where he was the branch manager for the chain store business.

His many years of experience in the banking sector and the credit insurance business create the professional basis for his job at km credit consulting gmbh. In his discussions with banks and credit insurers regarding companies' accounts receivable management, Markus can therefore represent his customers' interests in the best possible way.

Sven Coels

Managing Director

Sven Coels has more than 13 years of experience in credit insurance. As Senior Credit Underwriter his responsibilities included the extensive credit rating analysis of companies in Germany and abroad.

In recent years Sven was responsible for the credit rating and credit management of national and international key accounts with Atradius Kreditversicherung. This work included optimizing credit management, conducting credit audits, and managing portfolios. He also played a sales support role in the acquisition and implementation of new customers.

Thanks to his analytical skills and international experience Sven is excellently equipped to be able to support km credit consulting gmbh customers with issues relating to credit management.

Mark Sieber

Managing Director

Mark Sieber is a qualified bank clerk and has a degree in business management. The main focus of Mark’s activities during recent years was on the development of individual claims-based financing concepts for German and multinational companies and corporations.

Within this context Mark mainly held managerial roles, including at Coface S. A. for 10 years. He took on the overall responsibility of Coface Finanz GmbH – one of the market-leading receivables financiers in Germany – as the managing director. In this position Mark was responsible for departments including sales, client relationship management, bonding, ABS and reverse factoring.

As the divisional manager for the sales management of Coface S. A.’s North European region, Mark was responsible, for example, for the restructuring of the company’s sales organization, its structures, processes, remuneration systems and controlling instruments. Activities in the Sparkassen organization, the cooperative DG Diskontbank and VR Factorem round of Mark’s profile.

Inge Lannoy

Senior Credit Consultant

Inge Lannoy spent many years at a leading credit insurer, where she was responsible for supporting international key accounts as a Senior Account Manager. Following the merger of NCM Kreditversicherung with Gerling Speziale Kreditversicherungs AG (now Atradius Kreditversicherung), she managed the customer service of the international key account department for the region of Central and Eastern Europe at Atradius. During this time she played a key role in optimization of service quality as well as quality assurance vis-à-vis credit insurance clients.

Inge developed need-based coverage concepts for key accounts in the region of Central and Eastern Europe from September 2012 until leaving Atradius in February 2014.

Inge has more than 15 years of experience in the international credit insurance business – in customer support and the structuring of need-based del credere solutions – as well as her extensive foreign language skills qualify her to assume responsibility for support of the globally operating clients of km credit consulting gmbh.

Stefan Heinzel

Senior Credit Consultant

Mr. Heinzel, who has a degree in business administration, has over 16 years’ experience in corporate banking and receivables management. Not only did he have a significant impact on the development and establishment of Coface as one of the leading providers of factoring services in Germany, but he also oversaw the structuring, implementation, and management of the asset-backed securities program (ABS) for the refinancing of the factoring business. Most recently, Mr. Heinzel was Managing Director of Coface Finanz GmbH as well as a member of the Regional Executive Committee for Northern Europe, where he was responsible for the strategic and operational factoring business of Coface in Germany. Moreover, he implemented a complex change management process within the scope of the Group’s strategic realignment.

As the Division Head for Key Account Management and as a company Director, he previously held a managerial function in credit insurance and, for over two years, was also responsible for the surety business as well as for individual hedging (single-risk cover). His focus was on increasing customer loyalty through the introduction of a systematic potential analysis and growing customer service activities, as well as the successful reorganization of the division.

Due to his consistent customer orientation and his extensive know-how in receivables management, Mr. Heinzel stands for both innovative and customer-oriented solutions as well as a broad network in the credit insurance and factoring market.

Timon Dannowsky

Senior Credit Consultant

Timon Dannowsky studied international management with a major in finance and completed his Master of Science (M.Sc.) degree alongside his job in 2018. He began his career as an account manager for factoring products at Coface Finanz GmbH.

In this role, he was in charge of a diversified portfolio of factoring clients with a variety of product types. His responsibilities included steering, structuring and holistic contract management.

He took this experience with him in 2019 to join DKV Euroservice GmbH & Co. KG, the European market leader in on-the-road supply and mobility for truck and car fleets, to set up an in-house factoring product tailored to the logistics industry. In particular, he was responsible for the process setup, parameterization and testing of the factoring system as well as the harmonization between customer, trade credit insurance, financing and collection contracts.

Due to his extensive knowledge in the structuring of receivables financing products as well as his experience in the areas of project management and process design, he has strengthened the team of km credit consulting gmbh since 01.03.2021 as an expert for credit management projects.

René Henke

Senior Credit Consultant

René Henke studied business administration at the University of Cologne. After gaining initial sales experience in Italy and the Netherlands, he started out as an export manager at confectionery manufacturer Hitschler. Through his responsibility for export credit insurance tendering and experience with customer insolvency proceedings, Henke discovered his passion for receivables management and switched to Atradius Collections. He then joined Subito AG, where he was responsible for sales of the receivables management software for industrial customers, energy suppliers and financial service providers. In 2016, he returned to Atradius, where he mainly was involved in credit insurance with positions in sales, business development and account management.

René Henke has extensive knowledge of the whole receivables management process and its digitalization as well as a diverse network of service providers and software vendors. Since April 1, 2023, he is contributing his knowledge to customer projects on credit management at km credit consulting.

Marc Hammer

Senior Credit Consultant

Marc Hammer is a qualified insurance salesman with a focus on credit insurance and completed a degree in business administration at the University of Applied Sciences in Mainz. He looks back on 21 years of professional experience at Coface, one of the world's leading credit insurers.

After Marc Hammer worked, among other things, as a Sales Manager in Germany and as a Commercial Development Manager in China, he was responsible for sales management in the Coface Northern Europe region as Head of Business Controlling NER. Recently, as Senior Manager Transformation Office, he led extensive international transformation projects in the area of credit insurance solutions.

Thanks to his many years of work, he has in-depth knowledge of the essential products used in the credit management process. He has been contributing his extensive experience in international contract management as well as his broad project and process management expertise to km credit consulting since October 1, 2023.

Christoph Ciecielski

Credit Consultant

Christoph Ciecielski studied business administration with a focus on "Accounting & Finance" at the University of Duisburg-Essen. During his course of studies, he was able to gain practical work experience in the steel industry, since within the scope of various internships as well as a work-study job with Salzgitter Mannesmann he was employed in various departments.

After successfully completing his studies, Christoph Ciecielski started working for km credit consulting as an account manager in January 2013. Within the framework of the support concept of km credit consulting, he acquired comprehensive product knowledge in the areas of credit insurance, factoring and credit management. 

His acquired knowledge and skills as well as his many years of experience in structuring and managing international credit insurance and factoring programs, form the basis for self-reliant customer support as a credit consultant, which Christoph Ciecielski has taken over in March 2022.

Markus Birkenfeld

Senior Account Manager

Markus Birkenfeld completed his vocational training as a merchant in wholesale and foreign trade and has a degree in Business Administration (University of Applied Sciences). In his seven years working as a Senior Advisor in the central account management at Atradius Kreditversicherung, he developed individualized and needs-based coverage and insurance solutions for a number of the credit insurer’s major national customers. Markus provided support to the sales department and advised them on all questions related to contract structuring as well as joining the sales team during on-site customer meetings.

Markus spent many years working as a customer service representative at Creditreform in Cologne, where he advised customers on the possibilities in avoiding bad debt losses. The consulting of credit bureaus, collection agencies, and rating solutions were at the forefront of his sales-related activities. His expertise is rounded off through his extensive experience and financial services know-how gained through additional product management positions in commercial leasing companies.

Sandra Rokotta

Senior Account Manager

After completing her vocational training in office communications, Sandra Rokotta has gained extensive experience working in inside sales. She was employed for five years as an administrator in account sales at Thyssen Guss AG.

Thereafter Sandra spent nine years working as an administrator in inside sales at Hewlett Packard GmbH. During this job she encountered the subject of credit insurance from the point of view of the current customers of km credit consulting.

The billing, including the close cooperation with accounting (tracking payments received) as well as process responsibility for the validation of creditworthiness (HP), belonged to her area of responsibility. She was also responsible for advising customers regarding inquiries or complaints.

Karolina Olejniczak

Senior Account Manager

Karolina Olejniczak is a qualified insurance sales agent with a focus on credit insurance. After completing her apprenticeship at Coface Kreditversicherungs AG, she spent 11 years in the receivables financing business for Coface Finanz GmbH in Mainz prior to beginning her job at km credit consulting.

As a client relationship manager, she spent several years supporting the Coface sales force as a specialist for product solutions in factoring and reverse factoring in new customer acquisition. During the further course of her career, she assumed full responsibility for the subsequent structuring, accessing and implementation of the supervised new customer management.

A broad range of experience in the ongoing advising and managing of contract structuring for multinational corporations in the commercial credit insurance sector as well as in factoring help identify Karolina Olejniczak as a specialist in this product segment.

As a Senior Account Manager, Karolina Olejniczak has been a part of the km credit consulting gmbh team since April 1, 2016.

Hürü Aral

Senior Account Manager

Hürü Aral earned a degree in international business. She gained her first international experience while on a one-year exchange program in Chicago, which was made possible by a scholarship from the US Congress and the German Bundestag. During her studies, Mrs. Aral worked for the reinsurance broker Guy Carpenter & Company GmbH (Marsh & McLennan Group) and for the reinsurance company Converium.

From 2010 until launching her career at km, she was employed at Atradius Kreditversicherung in Istanbul as a Senior Account Manager in the area of customer service and new business acquisition. Furthermore, at Atradius she was also able to expand her expertise in key account management while working at locations in Cologne, Chicago, and Baltimore.

Mrs. Aral has comprehensive experience in active customer relationship management between insurance customers and insurers and has been able to establish a well-founded knowledge in the structuring of international credit insurance programs.

Mirijam Tuchscherer

Senior Account Manager

Mirijam Tuchscherer is professionally trained in banking and insurance with a focus on credit insurance. After completing her vocational training at Atradius Kreditversicherung and prior to launching her career at km credit consulting, she spent 10 years at Atradius working in the back office of the International Key Account department for the Central and Eastern European region.

As Senior Advisor, she supported sales managers for many years in both the acquisition of new customers as well as in the subsequent implementation of international credit insurance programs.

During the further course of her career at Atradius, she worked closely with the responsible account managers in the coordination of contracts for multinational companies and corporations, whereby she garnered extensive experience and expertise, particularly in this field.

Since September 1, 2016, Mirijam Tuchscherer is employed as Account Manager at km credit consulting and works closely with the senior credit consultants to ensure the best possible service for our clients. In addition, she is responsible as team leader for the Team Assistant Account Management division since January 1, 2024.

Karin Koch

Senior Account Manager

After successfully completing her law studies and working in a law firm in Mainz, Karin Koch joined Coface in 2008 as a corporate client advisor and bank agent for bank relationships in the field of receivables management.

Having previously specialized in commercial and corporate law during her studies, she acquired in-depth knowledge in the areas of factoring, foreign trade, guarantees, credit insurance, rating and collections during that time.

Following her move to Euler Hermes, she headed a branch office in Baden-Württemberg, where she was able, among other things, to intensify her experience with large international companies. During that time, Karin Koch also lectured part-time as an expert in Stuttgart in a part-time course on foreign trade/investment goods credit insurance.

She deepened her expertise since 2016 in the long-standing support of internationally operating companies as Senior Account Manager in the Global Unit of Atradius and contributes this extensive knowledge of three credit insurers as of October 1, 2021 at km credit consulting as Senior Account Manager.


Maike Hilpert

Senior Account Manager

Maike Hilpert is a qualified bank clerk and has more than 10 years of experience in the banking sector. After working as a loan officer, she spent years in B2B sales, consulting small and medium-sized companies.

From 2017 until launching her career at km, she was employed as an account manager in the international key accounts department for the Central and Eastern Europe region at Atradius, responsible for the development, optimization and support of coverage concepts for multinational companies.
During this time, she acquired extensive know-how on credit insurance in various industries as well as on relationship management between insurance customers and insurers.
Experience in the fields of project management and process optimization combined with a strong customer orientation round off her profile.

Maike Hilpert is supporting our km credit consulting team in her role as Senior Account Manager in our Wiesbaden branch since July 1st, 2022.

Svenja Bastian

Account Manager

Ms. Svenja Bastian is a qualified industrial business manager who spent 10 years working for a globally operating corporation.

Upon completion of her vocational training, she earned a degree in Business Administration, where she gained valuable experience in the area of credit management and factoring. She thereby supported the company in the operational management and handling of the global credit insurance policies within various contractual models as well as within the framework of multinational factoring programs. In addition, Ms. Bastian was also responsible for the implementation of standardized global credit management processes within the company’s structure.

As an SAP key user, and along with her extensive practical process and user expertise, she was able to provide a significant added value to our process-related consulting competence. Ms. Svenja Bastian joined the km credit consulting team as an Account Manager on January 1, 2019.

Sven Nielbock

Account Manager

Sven Nielbock studied economics with a focus on service management and international marketing as well as commercial and corporate law at the University of Duisburg-Essen.

After successfully graduating with a degree in business administration, he gained initial experience as a project and account manager in the support of major clients.

From 2014 until he joined km credit consulting, he was a client manager at Proceed Collection Services GmbH - Part of Lowell Group, where he was responsible for supporting international key accounts from the banking and financial services sector. He acted as the central contact person for his clients in all aspects of receivables management and collection. He was mainly responsible for the coordination of internal departments for all customer concerns as well as the coordination of the solution process with the customers and internal departments.

Due to his extensive knowledge in the area of receivables management and debt collection, he has strengthened the km credit consulting team as an account manager since 01.04.2021.

Katja Schedler

Account Managerin

Katja Schedler is a trained legal assistant and worked for 14 years as an authorized representative in the Coface claims department. She acquired extensive knowledge of trade credit insurance and supported customers in the credit check, receivables management, contract design, contract handling, claims prevention and claims management.

As an account manager for a medium-sized brokerage company, she has also been able to gain a comprehensive overview of the market in recent years. In this position, she was the contact person for all customer concerns, from the conclusion of the contract to contract handling and all kinds of claims issues.

Marcel Plahutnik

Account Manager

Marcel Plahutnik is a trained freight forwarding and logistics clerk and worked for six years as a commercial assistant in the billing department for a global operating logistics service provider. At the same time, he completed his studies for economics and business psychology (B.Sc.) at the FOM University of Applied Sciences, where he continues to be enrolled in the master’s program for economics and management. 

The knowledge and insights into credit management processes of companies that he obtained during his professional activities are complemented by the theoretical background from his studies.

Since the 1th of December 2022 he supports the team of km credit consulting as an Account Manager.

Tim Moritz

Account Manager

Tim Moritz studied General Management with a specialization in International and Financial Management. He graduated in 2022 with a Bachelor of Science from the CBS International Business School in Cologne. 

At the same time, he gained his first professional experience in the banking sector where he was responsible for direct sales as well as credit assessment of private customers.

He took this experience with him in 2020 to support us in the team assistance account management where he gained initial experience in the areas of trade credit insurance and receivables financing. At the beginning of 2022, he took over this task full-time and supports our clients since September 1st, 2022 as an acocunt manager.

Gesine Shapovalov

Account Manager

After completing her master's degree in business administration Gesine Shapovalov worked in the B2B Key Account Management for one of the leading European providers of receivables management until she started working for km credit consulting.

She has 11 years of experience in supporting  major international clients. As Senior Client Manager, she acted as the central contact for her client base from the banking and financial services sector. The main focus of her work was to deliver quality client care and support as well as the proactive expansion of the client relationships.
With her many years of expertise in receivables management and her strong customer focus, she is supporting the km credit consulting team in her role as Account Manager since October 1, 2023.


Katja Buhren

Team Assistant Account Management

Katja Buhren is a trained IT clerk. After her apprenticeship at Thyssen Stahl AG, she worked for 20 years in a software company in Ratingen as an application programmer. Here she worked for customers such as Thyssen Stahl, Deutsche Bahn and the Rheinische Kalksteinwerke.

Katja Buhren has been supporting the km credit consulting team in her role as Account Executive since June 15, 2021.

Anna Richter

Executive Assistant

Anna Richter studied economic sciences at Bergisch University in Wuppertal where her main areas of focus were marketing, service management and competition.

Within the scope of her Bachelor of Science degree, she was able to gain initial and relevant work-related experience during her time as a work-study student at the Technical University in Dortmund. During this period of time, Anna completed among other things a marketing internship at Henkel AG & Co. KGaA, where she was responsible for the analysis and assessment of key business data in the fast-moving consumer goods (FMCG) market.

After the successful conclusion of her Master of Science degree in Economics, Anna joined the km credit consulting team on January 1, 2015 and is responsible for finance, coordination of cooperation partners and the internal training coordination.

Elena Marfin

Team Assistant Account Management

Elena Marfin completed her studies in Belgium with a focus on linguistics. As a project assistant, she supported project managers and companies strategically, administratively and in terms of content in the handling of IT and software projects. 

The focus of her career to date has been on internationally active companies, where she contributed and expanded her intercultural experience and language skills in German, Dutch, Russian, English, French and Japanese. She was directly involved in digitalization and modernization initiatives and supported companies in the development of new market potential.

Currently she is a bachelor student at the IU International University studying cyber security in order to continue to expand her IT skills.

Elena Marfin is part of the km credit consulting GmbH since November 1, 2022 as a team assistant account management.