Developing the next generation loyalty app with payment functionality for your store. Advisor in their application process to the Swedish FSA to get certified as a financial institute.

TF Bank is an online niche bank offering consumer banking services and e-commerce payment solutions to retailers. It was founded in Borås 1987 as a subsidiary to the mailorder company Halens, received banking license in 2012 and was listed at Nasdaq Stockholm in 2016. We were 23 employees when I joined the company in 2009, had a net turnover of 170MSEK and 70 000 customers. As member of the executive management team I have led and participated in the expansion, digitalization and profitable growth of the company. TF Bank currently have a turnover of 650MSEK, 1 million private customers in 9 countries and have 156 employees. As Country Manager, responsible for the Swedish organisation, P&L and consumer products in terms of profitability, marketing, sales, product management, development, credit risk and compliance with consumer laws. Responsible for the entire P&L for consumer products business area in Sweden. The Swedish consumer product organisation employs 8 direct employees within Marketing & Sales, Customer Service and Collection, and pays for group functions such as Finance, Risk, Credit, Compliance, Backoffice and IT where I have additional employees allocated to my organisation. The position includes product development and innovation of potential new financial products to consumers in Sweden, as well as business development and innovation in terms of digitalization and process & organisational improvement. Led the establishment of TF Bank in Germany by launching savings accounts cross-border to German consumers. Reports to CEO and Head of Consumer Lending Segment.

Lead the company’s strategically most important business development project of launching a new business area; Payment solutions to e-Commerce retailers. Marketing research and analysis, presenting to the Board of Directors, setting the strategic road map as well as leading the cross-functional project implementation of our first B2B e-Commerce client. Project leader in the creation of a joint venture company between TF Bank and Intrum Justitia within the new business area, the company named Avarda, which we launched in March 2015 as a subsidiary to TF Bank. Reporting to CEO.

Member of the Executive Management Team, reporting to CEO. Leading a team with 4-7 direct reports including marketing project manager, product managers, E-business manager, IT-project manager, test- and systems specialists. Setting the company’s strategy for sales, brand, marketing, CRM, communication, web and product management. Sales is done via B2B partnerships and B2C-marketing using online marketing, DM, TM, TV and radio. Heading the daily sales and marketing operations and the business development projects for all 5 countries where TF Bank operates.

Product management, marketing, process improvement, optimizing product profitability and development of new consumer loans products for the Swedish market. Managing sales via B2B partnerships and B2C marketing via TV, DM, print and online advertising. Member of the Operational Committee; a cross-functional team making tactical decisions and implementations of the strategic decisions made by the Executive Management Team.

Manager of the online marketing, acquisition and CRM strategy for GE Money Bank’s consumer products. Increase web site traffic via display advertising, SEM, SEO, aggregators and affiliate marketing. Web site re-design and implementation of CMS for improved usability and increased online acquisition. Web design lead in the project of creating an Internet bank with individualized CRM functions.

EMDP is the key entry point for high potential management talent into GE Consumer Finance Europe, designed to develop a pipeline of future leaders within sales, marketing and project management. It's a two-year program, divided into four 6-months rotational job assignments, in combination with structured coursework. My job assignments during the program: - LEAN and Six Sigma Project Management (Stockholm)- Client Account Manager for Debenhams cards (London)- Global Marketing & CRM Team (London) - Finance & Controllership (Stockholm)

Lead the project of outsourcing Nordic GE businesses payroll services from each business and integrating them into a GE Shared Service payroll center. Selling the concept to business leaders, price negotiations and contracts, process implementation and integration. Project management using Six Sigma.