Markus Gremmel is Head of Marketing & Products at BAWAG P.S.K. AG in Vienna. In this role he is responsible for the marketing agenda of the Retail Business, including advertising, branding, product development, pricing and CRM/customer data analytics while also driving the strategic roadmap for the Retail Business. Before joining BAWAG P.S.K. in 2008 he was Junior Partner at McKinsey & Company, servicing primarily European banks with project focus in the areas of banking strategy, payments and cards business. From 2001 to 2003 Markus Gremmel was Member of the Board of Seal Jet Argentina S.A. in Santa Fe. Markus Gremmel holds a Ph.D. from the Vienna University of Economics and Business Administration.