Eva Tammisto
Tallinn
Summary
Problems are a list of issues to be solved in a constructive and creative way.
Dynamic operations leader with extensive domestic and international experience in managing business processes and directing local teams, complemented by effective collaboration with cross-border teams across Finland, Estonia, and Poland. Demonstrated success in building high-performing operations through leadership of self-driven professionals and fostering teamwork. Possesses a comprehensive understanding of the consumer loan life cycle from origination to collections, leveraging data-driven analytical skills to enhance operational efficiency and achieve results. Core competencies include financial technology, automation management, and data-driven decision making.
Overview
18
18
years of professional experience
Work History
Private Portfolio Management
Self Employed
Tallinn
11.2021 - Current
- Managing a private investment portfolio, focusing on real estate and Baltic equities for the last 10 years.
Chief Operating Officer
Monestro OÜ
Tallinn
05.2020 - 11.2021
- Handled day-to-day management of Monestro P2P processes.
- Implemented high-level strategies through developed tactics.
- Ensuring business development, support, and fully functional operating units to meet company targets.
- KPI - Built and implemented a comprehensive financial platform for business-to-business transactions.
Centralized Functions Operations Officer
Aasa Global AS
Tallinn
01.2015 - 07.2019
- Managed and assessed productivity metrics for various divisions including Testing, Quality Assurance, and Loan acceptance.
- Facilitated collaboration between IT and development teams, ensuring agile process flow through Jira for efficient outcomes.
- Supported audit processes contributing to accurate financial assessments.
- Mentored team members to foster professional growth.
- Strategized short- and long-term objectives with core leadership team.
- Mitigated business risks by working closely with staff members and assessing performance.
- KPI - Implemented effective solutions to resolve operational problems, and mitigate operational risks. Launched new markets (Poland and Sweden).
Chief Operating Officer of Finland
Aasa Oy
Tallinn
11.2011 - 12.2017
- Taking overall responsibility for Finland's operational activities
- Coordinated major project initiatives from planning through to execution, ensuring timely completion
- Contributing to investors' commercial and legal due diligence projects, as well as IT/financial audits
- Taking part in launching business processes for new markets, Poland and Sweden (company setup and logistics for loan lifecycle perspective)
- Oversaw daily operations across multiple departments, ensuring alignment with strategic objectives
- Provided organizational leadership and collaborated with executive partners to establish long-term goals, strategies and company policies
- Ensured all operations complied with legal and regulatory requirements
- Built relationships with external stakeholders such as investors, partners
- Managed staff recruitment, training, and development processes
- KPI - Implemented effective solutions to resolve operational problems, and mitigate operational risks. Oversaw technological improvements, successfully reducing waste and eliminating business bottlenecks
Internal control specialist
LHV
07.2010 - 10.2010
- Executing internal control protocols within Credit Process Unit, Collections Department, and Customer Service.
- Conduct risk evaluations alongside Board of Directors.
- Generated detailed KPI analysis to support management's decision-making processes.
- Analyzed portfolio performance through insights derived from overdue reporting and balanced scorecard evaluations.
- Identified potential fraud risks and developed effective mitigation plans.
- Collaborated with other departments to review existing processes and procedures and recommend improvements.
Business Analyst | Internal Operations Controller
Luottotalo Fenno Oy
10.2007 - 06.2010
- Consumer finance receivables, credit risk management.
- Performing internal control procedures and reports to the management of the loan acceptance process, collections department, and customer service.
- Participating in risk assessment with the Board of Directors.
- Preparing KPI reports for the management (business results, liquidity, budget comparisons).
- Conducting an analysis of portfolios via internal data look-ups (overdue reports, balanced scorecard).
- Analyzing and reporting the As-Is procedures and risk positions in portfolio and describing the To-Be risk target and processes (portfolio life cycle, optimum credit risk)
- Supporting process delivery between IT and project management.
- Gathering process/system dependencies and constraints, managing workarounds, and timelines.
- KPI - Developed and implemented effective internal control systems.
Test Manager | Business Analyst
Luottotalo Fenno OY
06.2009 - 12.2009
- Luottotalo Fenno Bank's license application project.
- E-banking/CRM software.
- Member of an extensive project to incorporate FSA regulation on risk management, anti-money laundering, internal control, and customer access functions.
- Supporting the license project communication and follow-up process.
- Assembling test data requirements
- Supporting test-cases for functional and regulative 'should be' purposes
- Performing functional and user acceptance testing (UAT) of various systems based on the defined test cases
- KPI - Formulated and applied loan acceptance protocols using statistical data and NPL metrics.
Private Banking Relationship Manager
Sampo Pank
04.2007 - 09.2007
- Providing personalized financial services.
- Investment strategy.
- Asset management.
Education
Professional Higher Education - Banking
Tallinn School of Economics
Tallinn05-2005
Skills
- Business Relationship Management
- Operations optimization and administration
- Planning and execution
- Creative Problem-Solving
- Leadership skills
- Operational efficiency
- Goal-oriented and solution-oriented
- Automation management
- Team building and engagement
- Data-driven decision-making
- Flexible and adaptable
- Independent and entrepreneurial
- Hands-on delegator
- Operational Efficiency
- Cross-functional team leadership
- Project Management
- Communication Skills
Websites
Languages
- English, Full Professional
- Estonian, Native or Bilingual
- Finnish, Limited Working
Timeline
Private Portfolio Management
Self Employed
11.2021 - Current
Chief Operating Officer
Monestro OÜ
05.2020 - 11.2021
Centralized Functions Operations Officer
Aasa Global AS
01.2015 - 07.2019
Chief Operating Officer of Finland
Aasa Oy
11.2011 - 12.2017
Internal control specialist
LHV
07.2010 - 10.2010
Test Manager | Business Analyst
Luottotalo Fenno OY
06.2009 - 12.2009
Business Analyst | Internal Operations Controller
Luottotalo Fenno Oy
10.2007 - 06.2010
Private Banking Relationship Manager
Sampo Pank
04.2007 - 09.2007
Professional Higher Education - Banking
Tallinn School of Economics
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