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Alexander Graubner-Müller

Founder & Co-CEO, Reneo · 1 appearance on the record.

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founderexecutiveinvestorLinkedIn ↗reneo.de ↗

Alexander Graubner-Müller is best known for co-founding consumer lending fintech Kreditech, serving as CTO and CEO. He currently leads Reneo, a green real estate asset management company, and actively backs early-stage startups.

17statements → 7claims → 3claims resolved → 100%fully supported → 3.94/5average certainty → 1.53/5average debate potential → ≈4.0/5argument clarity, estimated → 1said about them ↓

3 supported 0 partly supported 0 contradicted 4 not checkable as stated how the 7 claims stand · each chip opens the sources

7 assertions · 1 insight · 9 disclosures · every statement was checked. The predictions and assertions are the 7 claims: statements the public record can support or contradict. 3 are resolved, and 4 name no date, number or outcome precise enough to check. Everything else (opinions, insights, what ifs, disclosures) can never be settled by the record, so it carries no assessment.

The record, in short

What the tape says about how Alexander argues and how the claims held up. Everything they said, and everything said about them, is in the tabs below.

Their most notable supported claim

Assertion Supported
Kreditech Generated Over $40 Million in Revenue in 2015
“We made last year around 40, a bit more than forty million in revenue.”
Alexander Graubner-Müller Dec 20, 2016 ▶ 8:54 EP 514: $120M Raised, Helping 1m Consumers Get $100m+ In Credit Who Have No Other Choice with KreditTech CEO Alexander Graubner-Muller

How they sound: not measured why? →

We measure speaking style by listening to the audio itself, and a fair number needs at least 2,000 words from one person on tape we have measured. There is too little of Alexander Graubner-Müller on measured tape to publish a rate. This says nothing about how they speak.

Everything Alexander Graubner-Müller said on Top Founders that made the record, most notable first. Filter by type, assessment or year in the ledger →

Disclosure
Kreditech's Highest-Risk One-Month Loans Carry 30% Interest
“So, so on, on the upper end of the spectrum sort of like the loans that we underwrite are maximum like one month loans and those cost around 30% cost of credit.”
Alexander Graubner-Müller Dec 20, 2016 ▶ 10:43 EP 514: $120M Raised, Helping 1m Consumers Get $100m+ In Credit Who Have No Other Choice with KreditTech CEO Alexander Graubner-Muller
Disclosure
Kreditech Assumes Low Double-Digit Default Rates on Loan Originations
“That's information that we usually don't share, but I mean, it's in the, I see it's in the low low double digits.”
Alexander Graubner-Müller Dec 20, 2016 ▶ 12:41 EP 514: $120M Raised, Helping 1m Consumers Get $100m+ In Credit Who Have No Other Choice with KreditTech CEO Alexander Graubner-Muller
Insight
CEO Argues the Highest Cost of Credit Is Having No Access
“We think actually the highest cost of credit is actually not having any access to credit because Even, I mean, even, I mean, for some people, even if initially there's only, I mean, that type of credit option available, I mean, it's still, I mean, a significan…”
Alexander Graubner-Müller Dec 20, 2016 ▶ 14:18 EP 514: $120M Raised, Helping 1m Consumers Get $100m+ In Credit Who Have No Other Choice with KreditTech CEO Alexander Graubner-Muller
Disclosure
Kreditech Uses Alternative Data and Machine Learning for Underwriting
“We have developed our own technology for doing the credit rating. And that technology very heavily uses alternative data and machine learning to build a credit rating also in the absence of credit bureau data.”
Alexander Graubner-Müller Dec 20, 2016 ▶ 2:29 EP 514: $120M Raised, Helping 1m Consumers Get $100m+ In Credit Who Have No Other Choice with KreditTech CEO Alexander Graubner-Muller
Assertion Not checkable as stated
Kreditech Scores Underbanked Borrowers Excluded by Traditional Banks
“With our technology, we are for the first time ever actually able to provide a credit rating For those customers and actually enabling to do credit business with them.”
Alexander Graubner-Müller Dec 20, 2016 ▶ 3:52 EP 514: $120M Raised, Helping 1m Consumers Get $100m+ In Credit Who Have No Other Choice with KreditTech CEO Alexander Graubner-Muller
Disclosure
Kreditech Takes Direct Credit Risk and Monetizes via Interest
“No, we're actually a lending company, so it means we like to I mean, take credit risk ourselves, and I mean, the way how we make make money is, I mean, the same way how every bank does money by charging an interest on the loans that we are that we are originat…”
Alexander Graubner-Müller Dec 20, 2016 ▶ 5:27 EP 514: $120M Raised, Helping 1m Consumers Get $100m+ In Credit Who Have No Other Choice with KreditTech CEO Alexander Graubner-Muller
Assertion Supported
Kreditech Generated Over $40 Million in Revenue in 2015
“We made last year around 40, a bit more than forty million in revenue.”
Alexander Graubner-Müller Dec 20, 2016 ▶ 8:54 EP 514: $120M Raised, Helping 1m Consumers Get $100m+ In Credit Who Have No Other Choice with KreditTech CEO Alexander Graubner-Muller
Assertion Not checkable as stated
Half of Unvetted Loan Applicants Would Default, Graubner-Müller Claims
“If you would give a hundred percent of people who apply for a loan a loan, I mean, about half of those people would not repay.”
Alexander Graubner-Müller Dec 20, 2016 ▶ 12:02 EP 514: $120M Raised, Helping 1m Consumers Get $100m+ In Credit Who Have No Other Choice with KreditTech CEO Alexander Graubner-Muller
Assertion Not checkable as stated
Kreditech Originated Over 1 Million Loans With $60M Outstanding Book
“Since the start of the company in 2012, we have originated a bit more than a million loans by now, and we have a total outstanding book of around sixty million at this point.”
Alexander Graubner-Müller Dec 20, 2016 ▶ 5:53 EP 514: $120M Raised, Helping 1m Consumers Get $100m+ In Credit Who Have No Other Choice with KreditTech CEO Alexander Graubner-Muller
Assertion Supported
Kreditech Originated Over $100 Million in Loans in 2015
“Last year when we, for the first time, actually broke the hundred million origination for the entire year, 2015, I mean, that was clearly, I mean, a very, very important milestone for us.”
Alexander Graubner-Müller Dec 20, 2016 ▶ 7:11 EP 514: $120M Raised, Helping 1m Consumers Get $100m+ In Credit Who Have No Other Choice with KreditTech CEO Alexander Graubner-Muller
Disclosure
Kreditech Has Raised $120 Million in Equity Capital
“We have raised around a hundred twenty million in equity capital to date.”
Alexander Graubner-Müller Dec 20, 2016 ▶ 15:17 EP 514: $120M Raised, Helping 1m Consumers Get $100m+ In Credit Who Have No Other Choice with KreditTech CEO Alexander Graubner-Muller
Disclosure
Peter Thiel and the World Bank Invested in Kreditech
“We have and IFC and the World Bank invested. We have Jesse Flowers invested. We have Peter Thiel invested.”
Alexander Graubner-Müller Dec 20, 2016 ▶ 15:33 EP 514: $120M Raised, Helping 1m Consumers Get $100m+ In Credit Who Have No Other Choice with KreditTech CEO Alexander Graubner-Muller
Disclosure
Kreditech's Core Product Is Unrestricted, Unsecured Consumer Loans
“The average credit product that we offer is, is an unsecured loan, so we are not really interested, I mean, for which purpose, I mean, it is used.”
Alexander Graubner-Müller Dec 20, 2016 ▶ 4:41 EP 514: $120M Raised, Helping 1m Consumers Get $100m+ In Credit Who Have No Other Choice with KreditTech CEO Alexander Graubner-Muller
Assertion Not checkable as stated
Kreditech Consumer Loans Average Around 10 Months in Duration
“Most of our loans are, comparably short in maturity, so the average duration is around 10 months.”
Alexander Graubner-Müller Dec 20, 2016 ▶ 6:19 EP 514: $120M Raised, Helping 1m Consumers Get $100m+ In Credit Who Have No Other Choice with KreditTech CEO Alexander Graubner-Muller
Disclosure
Kreditech Offers Installment Loans With Rates as Low as 12%
“And then we go all the way down to our basically personal personal installment loan segment where we go as low as 12% per year.”
Alexander Graubner-Müller Dec 20, 2016 ▶ 11:08 EP 514: $120M Raised, Helping 1m Consumers Get $100m+ In Credit Who Have No Other Choice with KreditTech CEO Alexander Graubner-Muller
Disclosure
Kreditech Holds $30 Million in Debt Capital
“So we have about thirty million in debt capital.”
Alexander Graubner-Müller Dec 20, 2016 ▶ 16:06 EP 514: $120M Raised, Helping 1m Consumers Get $100m+ In Credit Who Have No Other Choice with KreditTech CEO Alexander Graubner-Muller
Assertion Supported
Kreditech Is Not Subject to Specific Bank Capital Requirements
“So we're not a bank. We're not subject to any specific capital requirements.”
Alexander Graubner-Müller Dec 20, 2016 ▶ 16:36 EP 514: $120M Raised, Helping 1m Consumers Get $100m+ In Credit Who Have No Other Choice with KreditTech CEO Alexander Graubner-Muller

The other half of the tape: Alexander Graubner-Müller's own voice is left out of every number here. Other people bring the name up 1 time in 1 episode on Top Founders. every mention, with the transcript →

Who brings them up most Nathan Latka 1

Every mention by year

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2016 1 mention in 1 episode

Appearances (1)

EpisodeDateSpeaking time
EP 514: $120M Raised, Helping 1m Consumers Get $100m+ In Credit Who Have No Other Choice w Dec 20, 2016 14m
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