Michal Kissos

Michal Kissos Hertzog

CEO @ Pepper

Michal Kissos Hertzog leads Pepper, Israel’s first mobile-only challenger bank that was launched in mid-2017. Pepper, part of the Leumi Group, represents a revolution in how millennials think about and manage their money in a digital world. It is based on a unique artificial intelligence technology that helps customers better manage their finances and make the most of their money.

Michal has over 12 years of experience in digital banking, strategy and corporate development within the Leumi Group. In her previous role, Michal served as Head of Innovation and Digital at Leumi. She was responsible for leading and implementing digital innovation across all business lines of the Group, alongside managing ‘Leumi Digital’ – the bank’s digital banking channels (websites, mobile apps and self-service stations).

Michal also served as Head of Corporate Development at Leumi’s Retail Banking Division and held several managerial positions at ‘Leumi Card’, Leumi’s credit card company. Prior to joining the Leumi Group, Michal spent several years as an attorney at GKH law offices, one of Israel’s leading law firms. Michal specialized in corporate and commercial law, securities and M&A transactions. Michal holds a B.A. in Economics and an LL.B. from Tel Aviv University, and an MBA from IDC Herzliya (Wharton Executive Program, University of Pennsylvania).