Our management

Chief Executive Officer (CEO)

"I’m interested in where we’re going, not where we are today. As a result, we think about solutions and innovation rather than problems, release energy and move forward."

Guido Müller has been leading our company as CEO since January 2021. He had already worked for Swisscard from 2003 to 2010, most recently as a Member of the Executive Board responsible for Consumer Business and Marketing & Sales. As Country Manager from 2012 to 2017, he expanded Mastercard’s market leadership in the credit and debit card business in Switzerland with a digital innovation agenda. From 2018 to 2020, he was responsible for the Data & Services business in South East Asia at Mastercard Asia Pacific Ltd. in Singapore, including the areas of analytics and data platforms, consulting and marketing services and loyalty solutions. Guido Müller holds a Master of Science degree from the University of Zurich and has further training in strategic marketing and digital commerce.

Chief Transformation Officer (CTO)

"I want us to understand our customers and find innovative ways to keep impressing them and winning them over."

Enrico Salvadori took over the role of Chief Transformation Officer in May 2024. Previously, he headed the Department of Customer Solutions from January 2023. He started as Head Consumer Business at Swisscard in May 2019 and then took over as Chief Commercial Officer in September 2019. Enrico Salvadori moved from Credit Suisse to Swisscard. His most recent position was managing director of Marketing & Sponsoring at the Swiss bank. In earlier positions at Credit Suisse and Clariden Leu, he designed advanced processes for successfully controlling and improving innovation in the fields of product management, sales and customer experience. Before joining Credit Suisse Group, Enrico Salvadori worked as a strategy advisor for leading financial service providers in Europe and Africa. Prior to that, he graduated from the University of Turin with a degree in Business Management. He also holds a European Master in Management from the ESCP-EAP Business School.

Chief People Officer (CPO)

"We create framework conditions thanks to which our employees can tap into their full potential and contribute their strengths – combined with enjoyment in their own work, this results in our greatest possible success."

Barbara Allemann has headed the People department since March 2015. Before joining Swisscard, she worked at Credit Suisse, most recently as Head HR Business Partner in the Corporate & Institutional Clients division. In the Private Banking & Wealth Management division she was responsible for the HR management strategy and managed HR processes. She worked in different divisions at Credit Suisse for almost 20 years in total. Barbara Allemann studied Business Economics at the Kaderschule Zürich and has a certificate in coaching.

Chief Risk Officer (CRO)

"Our huge challenge is to ensure a sustainable and optimized risk balance for our customers and Swisscard in the digital transformation."

Daniel Muff took over as head of the Risk Department in mid-October 2020. As CRO, he is responsible for Swisscard’s entire risk management and for adapting existing instruments and processes to the increasing digitization of the credit card business. Daniel Muff was Head of Risk Management and member of the Executive Board at BANK-now from 2013. Prior to this, he held various management positions at Credit Suisse for 13 years, including responsibility for developing rating models in accordance with Basel II and working for the last five years as Head Risk Return Management Corporate Clients. He is a member of various industry committees and also serves as President of the IKO Consumer Credit Information Office. Daniel Muff studied Politics and Economics at the University of Zurich, majoring in banking and finance, and completed his doctorate in Economics in 2005.

Interim Chief Solutions Officer (CSO)

"We transform our products, benefits and services to continually exceed the expectations of our customers and inspire them with new digital solutions."

Sabine Mantoiu took over the role of Interim Chief Solutions Officer in May 2024. She started as Head of Business Development at Swisscard in January 2019 and in September 2019 she took over as Head of Product Line Management and Head of Customer Experience & Engagement in Consumer Business and later Customer Solutions. Previously, Sabine Mantoiu held various leadership positions at Credit Suisse, including Interim COO for Products, Investments & Marketing. As Head of Business Management Products, Investments & Marketing, Sabine Mantoiu was previously responsible for internal communications, cost and risk management, reporting and projects. As Head of Offering Management, she worked for private & wealth management clients, focusing on investment campaigns and platform development. Sabine Mantoiu holds a master’s degree in Business Administration from the University of St. Gallen and a bachelor’s degree in Economics from the University of Basel.