Experience the future of finance with Dr. Holger Bartel

Dipl.-Volkswirt, Dipl.-Handelslehrer, Dr. rer. pol., founder of RealRate – Explainable Financial AI, 3x CEO, Appointed Actuary, Top Insurtech CEO, Most Promising AI Startup, Winner PyTorch AI Hackathon

I combine deep expertise in the finance industry with forward-thinking strategies to reshape the financial landscape. I specialize in data science, AI, financial markets, asset-liability management, ratings, comany valuation, financial audits, software development, and financial consulting solutions designed to deliver impactful results.

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Financial Success Through Data Science and Financial Modelling

Financial Consulting

Financial Analytics and Advisory

In my Fiancial Analytics and Advisory services, I focus on helping businesses build a strong financial foundation. I provide thorough assessment of strengths and weaknesses to identify and address potential challenges, allowing companies to make informed decisions with confidence.

My goal is to improve the financial health of the business by analyzing current financial situation and identifying levers and strategies that enhance stability and growth. My approach is practical, based on data science, and tailored to meet the unique needs of each business.

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Practical Expertise

My experience as an appointed actuary and manager in the insurance and fintech industries has given me a strong understanding of risk and the importance of financial strenght. I draw on this experience to help companies manage risks effectively, ensuring that their financial strategies are both ambitious and sustainable

Scientific Approach

I provide insights on how to balance growth with caution, helping businesses make informed decisions that protect their assets and support steady expansion. My tailored and unique approach emphasizes careful analysis, benchmarking, and proactive risk management. I believe in building a strong foundation based on accuracy.

Dr. Holger Bartel: Certified Financial Professional

I am Dr. Holger Bartel, CEO and founder of RealRate and other startups, and a lifelong entrepreneur and innovator in fintech and insurtech. I have built my career around using technology to bring transparency, trust, and accessibility to financial markets. My experience includes serving as Head of Life Insurance Mathematics at Gothaer and leading ALM, Risk Modelling, and Embedded Value at ERGO Group AG. Currently, I lead RealRate, an AI-driven rating agency based in Santa Clara and Berlin.

RealRate is the first rating agency to use Explainable AI (XAI) to provide fully transparent and understandable financial ratings. I am also a certified actuary by the German Association of Actuaries, which reinforces my expertise in actuarial science and commitment to professional excellence. My academic background in statistics, mathematics, and business has been instrumental in shaping my approach to risk and finance.

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Six Pillars of Success

I bring decades of experience in data analytics, financial management, risk modelling, and financial audit, ensuring your business stays financially strong.

Proven Expertise

I have a proven track record in supporting companies with practical, results-oriented financial solutions.

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Research

Being the winner of the PyTorch AI Hackthon, I’ve published influential research and software in causal analysis and solvency models.

Growth Oriented

As a manager and serial founder, I have decades of experience in managing finances and helping businesses stay on track for growth.

Actuarial Credentials

I am a certified actuary through the German Association of Actuaries, and worked as the appointed actuary for a German insurance group.

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Education Qualification

I hold a Ph.D. in Statistics and degrees in Economics and Business Education, providing me with a solid and broad foundation.

Leadership Recognition

I was named among the Top 25 Insurtech CEOs in 2020, recognizing my leadership and impact in the industry.

Actuarial and Financial Analytics and Consulting

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Having worked as an appointed actuary, I prepare actuarial reports and provide appropriate advice in life insurance, health insurance, and non-life insurance. I cover premium- and reserve calculation. Asset-liability-management is one of my special areas of expertise.

I am running an expert office for insurance mathematics (qpi). I am appointed as a court expert, analyzing legal disputes on insurance contracts.

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Financial Audits to Strengthen Financial Health

In my financial audits, I carefully review a company’s financial records and systems to understand its overall financial health. I bring a high level of expertise to my Financial Audit and Advice service. My background allows me to conduct audits that are both thorough and insightful, going beyond the surface to identify issues and opportunities that others might miss. I prepare clear, detailed reports that give companies an honest view of their financial health.

My process includes identifying any weaknesses with respect to direct competitors, and recommending realistic, effective solutions. This service not only highlights areas needing improvement but also empowers companies to make informed changes that strengthen their financial stability and position them for long-term success.

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Management Training

I am a management trainer and speaker on a variety of financial topics.

In cooperation with the German Insurance Academy (DVA) and the German Actuarial Academy (DAA), I am training managers and members of the supervisory board on:

Accounting and Audit
Balance Sheet Analysis
Certified Insurance Risk Manager
Investments and International Accounting
Capital Market Products
Sustainability and Investments
Alternative Investment Funds
Property-Casual Insurance
Profit Testing in Life Insurance
Artificial Intelligence

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Find the right service for you

Choose the financial service that’s right for your business needs. Each package is provided by Dr. Holger Bartel, based on his unique analytics and training methods.

Actuarial & Financial Analytics

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Key features

Artificial intelligence.
Forecasting and analytics.
Life insurance, health insurance, and non-life insurance.
Premium- and reserve calculation.
Asset-liability-management

Financial Health Audit

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Key features

Balance sheet and P&L analysis
Benchmarking to market and competitors.
Financial health computation.
Cause-Effect modelling and drill-down
Visual representation, explaining the „why?“

Management Training

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Key features

For managers and members of the advisory board.
Tailored and interactive teaching methods.
Recognized by financial autorities
Finance: Accounting, Risk Management
Trends and Tech: Sustainability, AI

„Financial strength is the heart of a business—it fuels growth, drives resilience, and keeps the company on track in every quarter.“

Dr. Holger Bartel, Actuary

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FAQs

What services do you offer?

I offer financial and actuarial consulting, financial health computation based on data science and AI, and tailored 'fit and proper' training for managers.

How can your financial audits help my business?

My audits involve a thorough review of your company’s financials. I identify strengths and weaknesses of your company, enabling you to surpass competitors.

What industries do you specialize in?

I have experience in industries such as finance technology, insurance, banking, and financial markets. This allows me to provide effective advice that fits the unique challenges of your industry.

Why should I choose your services?

I have a strong background in finance and risk management, I bring deep expertise and a unique approach to every client. I focus on honest advice, practical solutions, and helping you achieve meaningful results.

What is RealRate AI?

RealRate is my brain child. It is the first AI rating agency using Explainable Artificial Intelligence to create fair and unbiased company ratings. Our rating seal helps build customer trust. And we explain the „why?“ of financial strength. With our graphical AI analysis you can understand complete annual reports within just two minutes.

How can I help you?

Get in touch today to explore how my financial consulting and analytics services can strengthen your finances and help your business grow. Let’s find the right solution for your business needs. I look forward to working with you!

Experience the future of finance with Dr. Holger Bartel

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