Norwegian University of Science and Technology

University of New South Wales

Risk Manager, Sparebank1 Boligkreditt at SpareBank 1

Sandnes, Rogaland, Norway

SpareBank 1

Risk Manager, Sparebank1 Boligkreditt

Risk Manager for the 11 Bn NOK Unsecured portfolio
Head of the Unsecured Risk team
Key contributor developing and optimizing the Unsecured portfolio through analysis, monitoring, reporting and forecasting
Ownership of Credit Losses & Provisions and other KPIs

Santander Consumer Bank - Nordics

Risk Manager Unsecured

Member of the Senior Management Team of GE Money Bank Norway (becoming Santander Consumer Bank AB after the Santander - GE Money Bank merge).
Head of the Norwegian Risk team.
P&L Ownership of Credit Losses & Provisions.
Chairman of the Norwegian Credit Committee.
Key contributor to development and execution of strategies for the Norwegian business.
Portfolio analysis and monitoring, reporting and forecasting.
Asset and debt sales.

Risk Manager Norway

Portfolio manager for the unsecured products; developed underwriting strategies, reserves expert in GE Money Bank Nordics (US GAAP & IFRS), portfolio analytics and monitoring, reporting, write-offs, developed collections strategies, implemented policy changes, forecasting & budgeting, developed data warehouse, build and conduct internal training (SAS, Excel, Risk for non-risk).

GE Capital

Senior Risk Analyst

Manager for the Risk team covering with-to-wing Risk for the Auto portfolio; underwriting consumer and commercial, score card building, bad debt reserves (US GAAP & IFRS), portfolio analytics and monitoring, reporting, bad debt sale, profitability analysis.

Risk Manager Auto

Analyst for the Risk team covering consumer Risk for the Auto portfolio; optimizing underwriting, score card building, bad debt reserves (US GAAP & IFRS), portfolio analytics and monitoring, reporting, profitability analysis.

Risk Analyst

Developed and improved models for forecasting lifetime profitability (both P&L and balance sheet) for all products and larger deals.
Analyzed and improved interest rate strategy for the bank.

Petter Gravås