Management team


Philip Mikal, Chief Executive Officer (CEO)

Philip has been focusing on payments and credit-related offerings since 2007 and is passionate about the potential of alternative finance. He has strong experience in increasing business agility through improved development processes and planning.

Philip previously served as Vice President of Global Financial Services at Klarna, where he worked with introducing credit products and new core platforms that enabled the business’ global expansion. Before Klarna, he was Chief Technology Officer at online payments company ChargeSmart, Inc., leveraging more than 10 years of experience from software development roles in Silicon Valley.


Bård Bjerkås, Chief Legal Officer (CLO)

Bård holds a degree in law from the University of Oslo and has been working actively with TrustBuddy more or less from the start, and full-time since August 2010. Before TrustBuddy, Bård participated as a founding member of several IT and real estate companies. Immediately after university, he worked for a brief period at Storebrand, a Norwegian finance company.


John Ward, Chief Operating Officer (COO)

John was previously at Klarna, with Product Management responsibility for a new core banking platform that allowed them to offer credit products to new markets. Prior to Klarna, John was an executive in private equity and an underwriter at a listed Real Estate Investment Trust. At TrustBuddy, John focuses on the execution of strategies developed by the management team, including operations and the optimization of credit risk strategies.


Kevin Albrecht, Chief Technology Officer (CTO)

Kevin was previously at Klarna where he, as part of Product Management, led their communications infrastructure and implementation of new service-oriented banking systems to service the loans and payments of their customers in key new markets. At TrustBuddy, Kevin ensures that TrustBuddy’s technology strategy serves its business objectives and its members.


Chad Mazzola, Chief Product Officer (CPO)

Chad was formerly Director of Product Design at Klarna where he established the product design division, responsible for the design and user experience of their consumer facing products, including Klarna Checkout. He led this team during their rapid expansion into international markets. At TrustBuddy, Chad defines the product strategy for TrustBuddy’s lending and borrowing platform.