Josef is an Echo at Palantir, the World's leading data technology company. Previously, he co-founded bonify, Germany’s first and largest independent credit scoring information and financial advice platform with the mission to democratize access to credit scoring. As Managing Director of bonify, he was responsible for Product, Data Science, and Finance. Prior to founding bonify, he was an Engagement Manager with McKinsey & Company, serving clients from across Europe and Africa on questions of finance, risk management, and economic growth. Josef holds a PhD in Economics and Finance from Goethe University Frankfurt. His research focuses on risk and regulation in the financial sector. Josef studied Economics and Public Administration in Muenster, Paris, and London.