Experience

Stell

• Norway
• Internet Publishing
• 1 - 100 Employee

• Chief Executive Officer at Stell

  • Aug 2022 - Present

  Briefly about Stell; we offer mobile identification. The customer can tap on a terminal and identify himself at the same time. It can happen in combination with payment or used separately and - we are not an app, but Stell is complementary if you have an App today. Briefly about Stell; we offer mobile identification. The customer can tap on a terminal and identify himself at the same time. It can happen in combination with payment or used separately and - we are not an app, but Stell is complementary if you have an App today.



Self-employed

• Oslo

• Leading a startup project

  • Jan 2021 - Present



Santander Consumer Bank AS

• Financial Services
• 300 - 400 Employee

• • Apr 2018 - Dec 2020

  Organized and managed a Nordic team with Data Scientists and Data Engineers - responsible for providing data, analytics, insight and to develop increased automations by using machine learning for our customers, partners and employees in the Nordics across all products and services. o The team deployed in production machine learning models for pricing on an individual level using Neural Network with very promising results. o The team also enhance process automation in customer service to fully automate 50% of the emails handling - approx. 7000 emails on a monthly basis. o Responsible for building business case and secured funding for Einstein Analytics and Marketing Cloud in Salesforce, ensuring that Salesforce became the platform for partners, customers and employees to simply sharing of data, leads, analytics, reports, automating process and enabling Einstein Discovery. o Responsible for Einstein implementation in Salesforce for Sales Finance o Lead a cross functional team from SCB, Finn.no, IF and auto dealers to build SHAKE. A service designed to distress buying and selling used cars in the private marked. The Customer values are; you can buy a car without seeing it live, you can trust that you get what you are paying for and if anything is broken over the next 6 months it is covered through an insurance. A huge potential to be connected to 4 MM users through Finn.no on a weekly basis. Show less

• • Oct 2014 - Mar 2018

  Responsible for Risk and collection strategy and operation execution across Auto loan, Auto Leasing, Consumer loan Sales Finance, Credit Cards, Stock Finance and floor planning (45 billion Nok in asset). Organizational responsible for 40 full time employers.o Responsible for building, setting up infrastructure and deploying first ever Machine Leaning algorithm in underwriting in SCB- Nordic 01.2017. The approval rate increased from 19% to 28% - equivalent of NOK 100 MM per montho Partnered up with the winner of Fintech Factory in Norway to build machine learning algorithm to identify high risk customers through newspaper articles, company announcements and official numbers.o Delivered loss numbers ahead of budget every year, awarded with bonuses at 120 -150% each year.o Responsible 8 bad debt sale.o Leading outsourcing of collection in GEo Build fully automated month close of all risk numberso Presenting underwriting,, collection and portfolio quality to investors and rating agencies for securitization deals ran by SCB in 2015 and 2016.o Delivered on deal value, implementing underwriting policy across GE & Santandero Increased automatically approved contracts through decision engine from 40%-70% for SME o Responsible for the largest IRB BASEL approved portfolio. Show less

• • May 2010 - Oct 2014

  Responsible for Risk and collection strategy and operation execution across Auto loan, Auto Leasing, Consumer loan, Stock Finance and floor planning (34 billion Nok in asset). Organizational responsible for 19 full time employers plus 11 with dotted line.o Delivered results ahead of budget both in 2010, 2011, 2012, 2013 awarded with bonuses at 120 -150% each year.o YTD 2014 we are 82% lower than budget in VMG (losses)o Responsible for 8 bad debt sale.o Presenting underwriting,, collection and portfolio quality to investors and rating agencies for all 6 securitization deals ran by SCB.o Implement marginal profitability on account level.o Partnered with IT dwh team to build a new data warehouse KISS clustering data from 3 source system.o Build a new set of dynamic dashboards/reports facilitating Risk and Sales though Qlikview.o Increased automatically approved contracts through decision engine from 40%-70% for private individualso Produce and submit Credit management program for 32 billion NOKo Increased outbound collection activeity calls from 2000 per month to 7000 per day through 2 external call centres- o Reduced repossessed cars in stock from 800 to 300 vehicles Show less

• • Aug 2009 - Apr 2010

  Responsible for collection strategy and operation execution across Auto loan, Auto Leasing, Consumer loan, Stock Finance and floor planning (26 billion Nok in asset). Organizational responsible for 12 full time employers and 12 students. o Delivered 6 projects initiatives in 6 months and was offered more responsibility through a Risk Director position.



GE Money Bank

• Czechia
• 1 - 100 Employee

• • Jan 2009 - Jul 2009

  Accountable for collections strategy development across all products and portfolios (16 products, $1.8B in assets)o Improved loss line in 2009 through the development of hardship policies, new debt collection strategies for aged portfolios. More profound dialler segmentation strategies. Move headcounts from operation to collection.Effort resulting in improved loss line of 15 MM NOK in Mars.o Implemented collection strategy dashboards for ongoing monitoring.

• • Jan 2007 - Dec 2008

  Graduate of GE’s Risk Management Leadership Program which consisted of 4 six-months rotations in various areas of Risk Management including: Analytics, Strategy, Business Project Implementation, Business ConsultingInterim Risk Manager in Denmark responsible for all aspects of credit risk management; organizational responsibility for 5 direct reports; Developed new underwriting polices, stress testing modelling, and collections strategies in order to stem a rising tide of losses in 2008. Efforts resulted in stable losses and estimated reduced losses by 20 MM DKK pr month end of year 2009. Show less

• • Aug 2005 - Dec 2006

  Portfolio manager for 10 unsecured products. Responsible for session planning and yearly budgets on the loss line. Developed and presented monthly portfolio quality review to stakeholders in Norway and Nordics. Enhanced marginal profitability analysis. Effort resulted in new underwriting policies and improved income margin by NOK 40 MM in 2007.Developed new debt collection strategies for aged portfolios. All initiatives returned 40 MM NOK in additional recoveries through increased and better targeted operational efforts. Show less

• • Jun 2004 - Jul 2005

  Implemented new loan loss reserve models for unsecured products. The new models were more predictive and consequently the reserve level was reduced by NOK 50 MM. Created monitoring tools for tracking portfolio drivers by monthly load of data.Project lead in implementing New Business Strategy Manager - a decision engine for credit policies and scorecard implementation to automate underwiring decisions.