Our team.

About us

Behind cap-on is a dynamic and highly motivated team that brings together minds from different professional backgrounds, such as Financial Services, Legal and Tech. What unites us is a great team spirit and the ambition to offer an outstanding product. Together, we at cap-on develop the financing solution of the future in a creative and customer-oriented way.

Cap-on team picture
philipp lenz fintech
cap-on team
cap-on team

Our Story

In 2021, Andreas Müller, founder and main shareholder of S.D.L. Süddeutsche Leasing AG (SDL AG), and Philipp Lenz, current CEO of the young fintech company, made the ambitious decision to develop the asset financing solution of the future with cap-on. Within a very short time, the founding team was strengthened with Fabian Lenz, in the legal department, and Theo Schütz, the CTO responsible for technology and product development.

The interdisciplinary cap-on team thus combines innovative and unconventional founding spirit with decades of experience in the credit and leasing business, supported by SDL AG's renowned partner and customer network.

While technology development is driven forward in the rapidly growing Berlin IT hub, the headquarters in tranquil Ulm-Elchingen serves as a familiar yet productive retreat.  

Philipp

Lenz

Co-Founder & CEO

As Co-Founder and CEO, Philipp Lenz is responsible for the corporate strategy and operational management of cap-on GmbH. He developed the origin of the usage-based cap-on solution as project manager at S.D.L. Süddeutsche Leasing AG. Philipp Lenz studied economics and business management at the Free University of Bozen-Bolzano and the University of Bologna.

Theo

Schütz

Co-Founder & CTO

As CTO, Theo Schütz is responsible for technology and product development at cap-on. With his experience in agile project management, software development and IoT, among other things as a team leader at Deutsche Kreditbank AG, the Berliner is involved both in an overarching controlling role as well as directly in the development of the cap-on platform. With a degree in business informatics, he already demonstrated his entrepreneurial spirit at the age of 19 when he founded his first tech company during his studies.

Dr. Fabian

Lenz

Co-Founder & Legal

As Co-Founder and Legal Counsel, Dr. Fabian Lenz is particularly involved in the legal issues of cap-on GmbH. He studied law at the University of Augsburg and completed his legal clerkship in the OLG district of Munich with stations at various commercial law firms. Prior to that, he worked as a research assistant at the Chair of Civil Law. Prior to that, he worked as a research assistant at the Chair of Civil Law, Commercial, Labor and Economic Law, focusing in particular on labor and corporate law issues relating to Industry 4.0.

Philipp

Ratz

Head of Engineering

As Head of Engineering, Philipp Ratz is responsible for backend, infrastructure, data and DevOps. Philipp studied industrial engineering with a focus on IT & data science at KIT, Georgia Tech and TU Berlin, where he is also completing his doctorate. He has already gained experience in software and data engineering and enterprise architecture management at Daimler, SoftConEx and Trustami, among others.

Rainer

Dieck

CFO

Rainer Dieck is a member of cap-on's advisory board as the representative of the majority shareholder. He supports the management and the team of cap-on in essential questions of strategy and product development as well as all CFO agendas. As a consultant in the field of business recovery and as CFO of globally positioned companies in the automotive supply industry, he was responsible for international transformation projects, large-volume corporate finance structuring and M&A transactions.

Amelie

Luecke

Junior Data Engineer

Amelie Luecke supports the team as a working student in the area of data engineering in the development of all data-relevant applications and processes. During her bachelor's degree in business mathematics, she gained experience in risk management in the financial industry. She is currently studying for a master's degree in business informatics with a specialization in data science and BI.

Constanze

Roth

Senior Business Development Manager

As Senior Business Development Manager, Constanze Roth is responsible for the further development of the cap-on business model and the support of current projects. She studied business administration with a focus on finance at the Frankfurt School of Finance and Management. Before joining cap-on, she worked for two and a half years as a management consultant at Capgemini Invent.

Ben

Bittner

Business Development

Ben Bittner supports the team in the area of business development. His tasks are in the areas of market research and competitive analysis. He completed his Bachelor in International Management at the TH Augsburg and RMIT University in Melbourne with a focus on portfolio management & blockchain. He is currently studying for a Master's degree at Católica Lisbon SBE.

Christine

Kröner

Tax & Controlling Specialist

As a Tax & Controlling Specialist, Christine Kröner is responsible for the entire payment processing, the management of financial accounting and all tax-related issues. She gained her experience in many business sectors during her many years as a tax clerk and tax specialist in a large tax firm.

Andreas

Müller

Co-Founder & Investor

Andreas Müller accompanies cap-on GmbH as a strategic investor and visionary mastermind. As founder, main shareholder and CEO of S.D.L. Süddeutsche Leasing AG, he has many years of experience in the financial services industry, in international M&A transactions and in project development.

Join us.

Apply now and become a part of cap-on.

Unsolicited application

We are looking for support in the areas of business development, marketing, sales and of course in IT: backend, web frontend, IoT.
Until we have officially announced the complete list, you can already apply to us on your own initiative. We look forward to hearing from you!