With Atea solutions our customers are able to lower total cost of ownership, reduce environmental footprint and increase user satisfaction. As Head of Atea Finance I have P&L responsibility on country level and also application owner responsibility on strategic initiatives on Nordic / Baltic level within Atea Finance. Atea Finance is essential part of IT economics in Atea and we want to be the first and right choice for our customers, partners and colleges. This is done by building high profile Finance team which is developing and delivering sustainable life cycle and asset management solutions.

Executed strategy to develop business from offering small consumer loans to larger loan sizes and to new customer segments. This required development especially on credit scoring and loan granting including revised marketing and sales strategy. Strong background operating in online and POS business environment and experienced team gave good starting point and product launches, development in credit scoring and collection process as well as in sales and customer service were successfully executed.Leadership was on focus during the transition period and employee satisfaction and commitment was in excellent level, which enabled the business transition towards near prime business.

Consumer Finance consisted of Car Finance, POS Finance and Sales Support. As Head of Consumer Finance responsible for delivering business results through motivated and skillful personnel and developing the business solutions further. Member of Nordea Finance Finland Country Management Team and Consumer Finance Management Team. Consumer Finance Leadership results in the Employee Satisfaction Index was among the highest group in Finland.

In late 2005 I played a key role in acquiring and establishing NF Fleet Oy, which was a Joint Venture of ALD Automotive and Nordea Finance. When NF Fleet Oy was established I was appointed as CEO of the new company providing company car solutions and service through Nordea branches. With NF Fleet team we created high standards for our daily work and NF Fleet achieved good reputation within Nordea. We engaged and motivated the Customer Relationship Managers to promote Nordea Fleet solutions to corporate customers and to grow the business according to targets.

SALES TEAM MANAGER Responsible for business results and leadership for team of nine sales and customer service persons. The team had highest results in profitability and leadership index in Finland. I was also involved in the customer relationship management of most important customers. BUSINESS ANALYSTKey responsibility was Business Plan preparation and monitoring of the monthly results. I reported and analyzed the development of the business results to local management team and to head office in the UK. I was also responsible for making credit decisions and participated in credit process development.   MANAGEMENT TRAINEE / SALESMAN Started in the Management Trainee program in the finance department working with reporting and processes. Thereafter I was appointed to the designated corporate customers sales and participated also in acquisition of new customers.