Caroline Hees is a senior executive with extensive experience in private credit and financial structuring, with a strong focus on fintech innovation and digital credit solutions. Her expertise spans structured credit, public and private payroll loans, Banking-as-a-Service (BaaS), Credit-as-a-Service (CaaS), embedded finance, and securitization vehicles such as FIDCs and financial debentures. Caroline has played a key role in designing funding strategies and building scalable credit platforms integrated with technology-driven ecosystems.