Serkan Mirza, chief executive of Credit Exchange AG, oversees the expansion of Switzerland’s first B2B exchange for mortgages, a platform backed by leading banks and insurers. Since its launch four years ago, the platform’s transaction volume has grown from 1 billion to nearly 6 billion Swiss francs, a milestone Mirza attributes to delivering measurable value to customers rather than volume alone.
Mirza, a former UBS executive with a background in biology, neuroscience and an MBA from London Business School, describes his role as navigating strategic and operational challenges while executing a broader vision for the company. Credit Exchange aims to consolidate Switzerland’s fragmented mortgage market by integrating origination, processing and investment onto a single infrastructure, with current initiatives including the addition of AI tools, onboarding large pension funds and insurers, and deepening market consolidation.
His leadership approach balances structured analysis with external input. When facing complex decisions, Mirza dissects problems into components, models scenarios, and seeks perspectives from experienced advisors before combining rational evaluation with practical execution. He emphasizes movement—both literal and figurative—as a counter to inertia, a philosophy reflected in his professional trajectory and personal habits, such as favoring public transport or e-bikes in daily life.
Beyond platform growth, Mirza highlights family as his core priority, citing marriage and the birth of his daughter as pivotal moments that reshaped his priorities. Professionally, he cites Swiss real estate as his best investment, citing the asset class’s combination of capital appreciation, rental income and favorable financing conditions.
Looking ahead, Credit Exchange’s roadmap includes further technological integration and expansion into institutional segments, positioning the company as the central infrastructure for Switzerland’s mortgage market. Mirza’s long-term ambition reflects a blend of entrepreneurial drive and continuous learning, avoiding complacency while pursuing new challenges.
