Karlheinz Toni

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Karlheinz Toni

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August 2025

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I’ve failed, I’ve built, I’ve sold, and I’ve started over. Each chapter taught me something new about what makes companies thrive… and what makes them stall. The pattern is clear: vision only matters when it’s executed, data only matters when it improves outcomes, and leadership only matters when it sustains both culture and results. Everything else is overhead.

I bring over 20 years of executive experience across CEO, CTO, and board advisory roles in VC- and PE-backed businesses. As CEO of Tinka, I led the carve-out of a 65-year-old consumer finance arm into a market-leading FinTech with over EUR 1bn in annual underwriting, driving growth, negotiating ABS structures, lifting both customer and employee NPS, and steering the company through h
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