Kari Jauhiainen Email & Phone Number

Helsinki Area, Finland

- Leading an unit of business development managers and product owners. Team size is 14.- The team is responsible for the development of housing loans, credit card limit (S-Visa) and consumer loan (S-Laina) products ja processes. This includes development of credit decision systems (Experian PowerCurve Orginations), credit risks, affordability, gurantees, pricing, profitability, invoicing, loan insurance, service models etc. - The team takes advantage of SAFe, lean, automation and robotics in development.- The main goal is improve the customer experience and also discover new business opportunies and partnerships.- I'm involved also in developing budget and forecasts of loans.- Building the future bank

Helsinki, Southern Finland, Finland

Development manager of loans and credit products. Building the future bank.

Helsinki

Project and product manager in Personal Banking Business development.Main responsibilities: - Housing, personal and consumer loan products and processes development - Lending pricing models development and guidelines; price optimization, value based pricing and smart pricing.- Loan insurance- Interest rate collar and cap- Consumer finance partnerships- Process optimization and robotics- Lending 1to1 marketing campaigns

Herttoniemi Branch

Responsibility of branch finance and investment teams performance. Main tasks was sales management and coaching, human resource management, recruitments, marketing, customer portfolio management, credit decisions, risk management, implementing new strategies and business standards work out. I also deal with customers investment and finance needs to having them overall best advice and solutions. During the time Herttoniemi branch made huge leap in wide-scale sales results, activity and was one of the top branches, specially in investments.Deputy Manager April 2010 - Maj 2012 at Herttoniemi Branch: Responsibility of branch finance, investment, service and new customer acquisition teams performance.These years I focused on sales management to improve, coach and motivate my employees to get better results and achieve their goals in different kind of bank channels. I'm eager to get the best results to my team and my main target was to generate profitable business in finance and investment sectors.

Hakaniemi And Kamppi Branch

In two years Management Trainee Program (Johtoryhmä -ohjelma) we got good knowledge of leadership and management. I worked Finance Manager (new customer acquisition) at Retail Bank in 2008 and Business Banker 2009. I was also Deputy Manager at Kamppi Branch in summer 2009. I achieved good experience of the retail and business bank sales and products; financing, investments, insurances and risk management. Management traineeship focused strongly on customer relationship, interpersonal skills, leadership and management. Education had both in general view and in-depth focus within banking. Focus was also on the development of personal superior and management skills. Several development tasks from bank top managements; e.g. new investment profile (mifid) and personal banking concepts.

Helsinki

I worked with management accounting and strategic projects at Performance Management team. My main task was developing and analyzing OP-Pohjola Bank Group balanced scorecards (key performance indicators). Strategic analysis and ad hocs to support the Group top management. Regular performance reporting of retail and business bank sectors, estimating model and margin, competitor and market share analyses. Developing reporting systems (Exel, SAS EG, Basware Business Planning). Work was excellent viewpoint to banking sector.

Helsinki

I worked with financial accounting. Main responsibilities; OP-Pohjola Bank Group's consolidated IFRS financial statements, Process improvement of national financial statements and other statutory reporting. Development of Consolidation systems (Basware GC and SAP R/3). Regular accounting and statutory reporting to related projects.

Helsinki

Summer Trainee of corporate cash management services at Contact Center.

Kuopio

Summer Trainee at Kuopion Osuuspankki. Advisor with sales focus on day-to-day, investment, insurance and lending products. Summer Trainee also in 05/2002 - 09/2002.

Helsinki

Two research thesis for ministry corporate services.

Vaasa

I handled customers road freight to European market.

Master Of Business Administration, Finance, Economics And Statistics

Graduate thesis: The expiration day effect of index futures and options on the underlying stocks: Empirical evidence from the DAX..

Master Degree, Management Studies

Exchange student in ESC Rennes, France. Management and French language studies.

Bachelor Of Business Administration, International Business

Matriculation Exam

Management Trainee Program (Johtoryhmä 2008 -Ohjelma)

The aim of the program was to educate young talents to work as a key personnel and leaders in Sampo Bank. During this two years program I.

Manager At Danske Bank Degree, Management Training For Daily Managerial Tasks.

Management training for daily managerial tasks.

Business Banker Degree

Knowledge on corporate finance, credit risks, cash management and investments.