Carlo Giugovaz

Founder & CEO @ Finnovaction Venture Studio | Building Italy’s next Fintech champions | Ex-McKinsey | Ex-UniCredit SVP | 30K+ Network

Milan, Lombardy, Italy

About

I build fintech companies from scratch. Finnovaction is Italy's first Venture Studio dedicated exclusively to financial services — a systematic factory for fintech startups designed to scale at European level. We don't just invest: we co-found, build teams, validate products and accelerate growth alongside our portfolio companies. Current portfolio: Studdy · Reteero · Creditbeez My track record speaks to execution at scale: → McKinsey & Company (5+ years) — strategy, M&A, cost transformation for leading banks and corporates → PwC / Coopers & Lybrand (8+ years) — audit, consulting, business process redesign → UniCredit (16 years, SVP) — Head of CEE Multichannel Banking across Russia, Ukraine, Czech Republic, Turkey, Romania and more; launched Italy's first direct banking model; managed 220 branches and 2,100 people → Supernovae Labs (Founder, 2016–present) — fintech innovation broker connecting startups with Italy's leading banks and insurers → Qorus/Efma — Country Manager IT/CH/DE; Director of Fintech & Innovation, Payments and Risk Councils → Bologna Business School — Member, Executive Committee of the Finance & Fintech Master Over 30 years operating at the intersection of finance, technology and entrepreneurship — from Big 4 audit to management consulting, from running a 220-branch retail network to building digital banking platforms across 10+ countries. If you are a VC, family office, corporate investor or co-founder looking to back the next wave of European fintech — let's talk. 📩 [email protected] -------------------------------------------------------------------------------------------------------------------------------- Industry expertise: Startups, Banking, Insurance, Consulting, Retailing, Software, Auditing Geographic markets Expertise: Western Europe: Italy, Spain, France, Germany, Austria, UK Central east Europe: Russia, Turkey, Czech, Romania, Hungary, Bulgaria, Croatia. Functional Expertise (at least 5 years): Innovation, Startups, Omnichannel (Digital, Branches, Contact Center, ATMs), E-Commerce, Sales, Marketing, CRM, Strategy, Organization, Planning & Control, Accounting Latest areas of Expertise - Startups Fintech (last 5 years): Digital Sales & Marketing, Channels-CRM integration, Internet & Mobile Banking, Social Media, Experiential Marketing, Web 2.0, UX & Customer experience, Digital signature, Personal Financial Planning, IT System Architecture, Project Management & Agile development. Top FinTech Influencers in Italy (2021, source: LTP Team).

Experience

  • Founder & CEO at Finnovaction
    Jun 2022 - Present · 4 yrs 1 mo

    Finnovaction is the first italian fintech startup studio. The startup studio is dedicated to the financial services sector, with the aim of creating fintech startups capable of scaling at European level. Finnovaction was born from the experiences of Carlo Giugovaz and Marco Berini, serial entrepreneurs with many years of experience in the startup sector. Finnovaction is an Italian asset open to companies and young people in the country: on the one hand, it can collaborate with companies operating in financial services as an innovation laboratory, and on the other hand, it is available to young talents who want to specialize and invest their careers in fintech. The company is headquartered at Polihub in Milan, the Innovation Park & Startup Accelerator of the Politecnico di Milano, one of the world's leading universities in the creation of innovative startups. Finnovaction Team distinctive strength is a blended mix of competences (startups, marketing & sales, technology, exit strategy, finance and orga) developed in many challenging companies of all sizes. As a team, we offer a rare financial service vision, a very international staff, sharp execution and state of art digital know-how in financial services products and companies.

  • Founder & CEO at Supernovae Labs
    Apr 2016 - Present · 10 yrs 3 mos

    Supernovae Labs is a service company. Our specialization is to bring the Innovations created by the startups/solution providers to the most relevant Banks and Insurances in Italy to innovate their Business Models and to capture the best Investment Opportunities in the initial phases. We offer our services to 3 types of Pan-European Customers: - Financial Insitutions (Banks, Insurances, IFA Networks, Products specialists, Association, Incubators) - Innovation providers & Startups (Fintech, Insurtech, Digital) - Venture (VC, Business Angels, Funds, Private Equity) Supernovae Labs is an innovation broker for financial institutions and innovation providers. It offers to Solution Providers & Startups to deal with the main Italian Banks & Insurance to find the right opportunities/use case where to implement their platform. It offers to Banks & Insurance an indipendent fintech innovation Lab able to provide services all along the innovation funnel: innovation ideas, solutions scounting, insights & advice for MVP, customer researches, UX and Development (in partnership) company building and evaluation. Supernovae Team distinctive strength is a blended mix of competences (strategy, marketing & sales, technology, finance and orga) developed in many projects and challenging managerial positions. As a team, we offer a rare global vision, a very international network, sharp execution and state of art digital know-how in financial services. For contacts: [email protected]

  • Member of Executive Committee - Master in Finance & Fintech at Bologna Business School
    Jul 2020 - Present · 6 yrs

    I'm member ot the executive committee of the Finance & Fintech Master supporting the program and the courses.

  • Qorus (Contract · 6 yrs 1 mo)
    • Country Manager Italy Switzerland Germany
      Jan 2019 - Mar 2023 · 4 yrs 3 mos

      Key contact for the Efma members in Switzerland

    • Country Manager Italy, Switzerland and Malta
      Mar 2017 - Mar 2023 · 6 yrs 1 mo

      Key contact for the Efma members in Italy Efma is an association with a membership base consisting of a third of all large retail banks and insurance companies worldwide. Efma offers exclusive access to databases, studies, and publications. Efma also provides networking opportunities through international conferences, study tours, think tanks and working groups. My role: • Recruiting new Banks and Insurance • Update and keep the relations with the region’s members • Consulting Sales and Marketing on our services

    • Risk Management Council Director
      Apr 2020 - Apr 2021 · 1 yr 1 mo

      Risk Management Council scope is to discuss the how to deal with the new reality after Covid 19, AI trends for credit & insurance, new opportunities and issues related to Financial Insitutions & Corporate Risks. The participants are selected among over 3.000 banking & insurance Managers and Professionals working within the Risk management domain

  • UniCredit (Full-time · 16 yrs)
    • Head Of CEE Multichannel Banking
      Nov 2010 - Mar 2016 · 5 yrs 5 mos

      Senior Vice President Supporting the retail strategies of UCI Banks in the CEE region (Russia, Ukraine, Czech, Turkey, Romania, Slovakia, Hungary,, etc.) by coordinating all Multichannel projects and by Innovating the direct channels platforms to create state of art multichannel customer experience.

    • Head of Multichannel Banking
      Jan 2008 - Oct 2010 · 2 yrs 10 mos

      Senior Vice President Responsible of managing and developing all direct channels of the Unicredit Group Retail in Italy (Unicredit Banca, Banca di Roma and Banco di Sicilia). Main results achieved: transactions migration index over 78%, direct acquisition of 18.000 new customers, over 100.000 products sold, internal customer satisfaction 78, internet customer satisfaction 83.

    • Head of Unicredit Direct Bank
      Dec 2006 - Dec 2007 · 1 yr 1 mo

      Innovate the way of doing (retail) banking in by setting up in Italy the Multichannel team (internet, mobile, web Sites, Contact center, ATMs and Kiosks) and by improving customer processes and devices in collaboration with the Bank functions (ICT, Communication, Organization, HR, etc.) and the Marketing and Segments Teams.