Karl-Heinz Fellinger

Karl-Heinz Fellinger has studied at Vienna University of Economics with specialisation in Finance and Insurance. In 1993 he entered Erste Österreichische Sparkasse for an intership and became an employee in 1994 in the predecessor department of SABINE Factory. With the merger of Erste and Giro Credit to Erste Bank his orientation moved from West to CEE and he became a member of the Loan Porfolio Reclassification Team, when Ceska Sporitelna was integrated into the Group. In consequence, he built up the Credit Analysis Department in Ceska. After 2 years of Credit Analysis and as a member of the Basel II Team, he was running the Group wide Project of KRIMI Integration into local Legacy Systems. In 2006, he entered Risk Management International, being responsible for Hungary and Romania. In 2007, he took over the Management Position as Head of Corporate Risk Management. He joined the good.bee team in May 2010, being responsible there for Risk Management and Credit Processes. Karl Heinz has currently been seconded to Romania in the capacity of CFO of good.bee Credit

Karl-Heinz is happily married to Katerina, having two crazy bees at home, Bernhard and Maximilian.

Motto: “No risk, no fun!”

Johann Heep

Drew his first breath in Canterbury (Great Britain). After some years moved to Delhi (India) and eventually landed in Vienna (Austria). Got a Master degree in Information and Knowledge Management at the University of Eisenstadt (Austria) in 2004. In addition to formal education, gathered priceless impressions and memories travelling extensively to India and South-East Asia. Completed a sales trainee program at Erste Bank Austria in 2005/06 and afterwards worked as a product manager for loans from 2006 to 2008. In 2008 started to fly in the name of good.bee working on the topics social entrepreneurship, social sector financing and micro-loans. Loves to socialise, discover the world and do sport activities where ‘a ball or snow’ is involved.

‘Let’s build sustainable and prosperous hives, no one should only buzz for himself.’

Jan Kouba

Born and raised in the small Bohemian city of Litomerice, Czech Republic. Following high school in the Czech Republic, decided to extend the experience across “The Pond” for another year in an American high school. Subsequently earned a BA from the Anglo American College in Prague and an MBA from the ESCEM/University of New York in Prague, while working full-time in Vienna. Kicked off his professional life with Erste Bank in Prague, where he held several positions before taking up the challenge of joining the transformation team of Ceska sporitelna, which was acquired by Erste Bank in 1999. Relocated to Vienna in 2003 to join the Erste Group Retail Projects team. Became part of the Group Strategy division of Erste Group in 2006 and contributed significantly to getting good.bee off the ground. Jan is now heading the Microfinance division of good.bee. He is happily married to Magdalena, taking care of two small bees, Sofie and Kristian.

Marta Kudlicki

Born in Vienna as a child of Polish musicians. After she studied the violin – started already with 10 years – she decided to continue with Economics and Business administration at the University in Vienna. Due to her Polish background and her affinity to Eastern Europe she spent a semester studying and working in Cracow.
After 8 years of consulting experience in the Banking area – especially implementing Bank Management topics like Basel II in CEE and SEE countries for the largest Austrian Banks – Marta decided to take a timeout/sabbatical for 3 months. During her sabbatical in Thailand she taught kids in English in the rural area around Nong Khai and small monks in a temple school in Krabi and spent some relaxing and wonderful time on the islands. After her sabbatical she joined good.bee in January 2011 working in the Micro Banking field responsible for Croatia, Serbia and partly Romania.

“Live and let live.”

Sylvia Kutschera

From the Croatian/German community of Hornstein, Burgenland, Austria. Entered the 5-star hotel industry in the lovely Austrian regions of Salzburg and Zürs/Arlberg after studying political science and tourism.
Following the birth of her daughter 21 years ago, “landed” in the Erste Group. Spent 3 years as Regional Manager in the International Division and subsequently served as assistant to multiple CFOs. Currently the assistant of the President of the Supervisory Board of Erste Group Bank and the President of Erste Foundation.
Alongside these principle duties, Sylvia is the “mother” of the good.bee team – organizing the “home-base” and making life easier for the young and active good.bees.

Andrea Pscheid

Born and grew up in Krems, Austria. After commercial college, supported the development of electronic banking products for several banks and in several capacities, including as electronic banking advisor for corporate customers. After 15 years practical experience in the financial industry and the completion of her Masters thesis on Microfinance in Romania, she received her MBA in Entrepreneurship at the Danube University in Krems. In the last several years, she has had primary responsibility for the setup of  two joint venture companies (good.bee Credit in Romania and EBPP Electronic Bill Presentment and Payment GmbH in Austria). To support marginalized people is one of Andrea’s life aspirations! Following her “Round the World” trip from October 2008 to April 2009, she now looks forward to combining her social interests  with the development of sustainable financial solutions as the head of Social Enterprise Finance within good.bee. Curiosity and courage, combined with her risk awareness have propelled her forward. Sometimes she would like to progress a bit quicker, because life is limited!

Andrea’s current motto:  “Let’s collect honey for the good bee family!”

Jennifer Rowe

Until 1991, developed all the proper skills a worker bee requires from her rural upbringing in the US Midwest. First took flight for studies at Boston University and the Johns Hopkins School of Advanced International Studies in Boston, Washington DC, and Padua and Bologna, Italy. After several years as a banking regulator with the New York Fed and counterparty credit analyst with a US investment bank in London, “called” to Vienna in 2002 by the combination of a great job opportunity and “die Liebe!”. From 2002 – 2005, served as credit officer and later investment portfolio manager for structured credit at Erste Bank. In 2009, joined good.bee after serving as the Head of Structured Credit Investments for Erste Group since 2005. Building on her intense desire to provide all individuals with equal opportunities to succeed as well as the lessons learned from prior credit bubbles, Jennifer looks forward to providing simple, human banking services with appropriate checks and balances…to all!

Annunziata Schmidt-Chiari

Annunziata has 13 years of extensive experience working in the social sector. She is currently Head of communication at good.bee and responsible for the financial literacy programmes. Prior to her current role, Annunziata was responsible for social affairs within Erste Group. Before joining the Erste Group, Annunziata worked for Caritas in Vienna, where she worked as a consultant for refugees – vocational training and advice programme for entreprepreneurship for asylum seekers in Austria and consultant for voluntary return. Prior to that, she worked for Organizatia Umanitara Concordia in Romania, an NGO supporting Street Children in Romania, the Republik of Moldova and Bulgaria.

Annunziata holds an MSc in Anthropology and Development Studies from the London School of Economics and Political Science. She studied photography in Vienna and London, an interest which she pursues actively as evidenced by a number of exhibitions. A native German speaker, Annunziata is also fluent in English, French and Romanian.