THOMAS TORVUND
Lincoln Park,NJ
Summary
Product development professional with expertise in business analysis, product management, and Agile leadership in banking and financial services. Demonstrated success in driving digital transformation and optimizing financial processes to enhance operational efficiency and customer experience. Proficient in requirement specification, IT solution development, and cross-functional collaboration, with a focus on credit risk and loan processing. Experienced in leading Agile teams to innovate and streamline complex financial operations.
Overview
18
18
years of professional experience
Work History
Business Analyst, Development Department
Handelsbanken
09.2023 - 07.2025
- Led requirement specification for IT development initiatives to ensure alignment with business goals and regulations.
- Served as subject matter expert for financial products, enhancing digital banking services.
- Coordinated end-to-end testing processes to guarantee integration of new solutions with existing systems.
- Analyzed emerging trends to contribute to bank’s long-term digital and financial technology strategy.
Product Owner - Deposits and Loans
Handelsbanken
01.2022 - 08.2023
- Led development and optimization of deposit and loan products for regulatory compliance.
- Collaborated with cross-functional teams to streamline offerings and improve customer experience.
- Executed product strategies with IT and business stakeholders, boosting revenue growth.
- Conducted market analysis to identify opportunities, introducing innovative banking solutions.
Scrum Master - Agile Delivery
Itera Norway ASA
08.2021 - 12.2021
- Led Agile teams as consultant for international bank, ensuring smooth delivery of digital banking solutions.
- Implemented Agile methodologies to enhance collaboration and improve development cycles.
- Coached teams on best practices, promoting continuous improvement and innovation culture.
- Drove adoption of Agile frameworks organization-wide, increasing adaptability to market changes.
Business Analyst - Loan Processing, Financial Services
TietoEvry
01.2018 - 07.2021
- Analyzed and designed IT solutions for Norwegian banks, ensuring compliance with financial regulations.
- Collaborated with developers, testers, and business stakeholders to optimize loan processing workflows.
- Conducted comprehensive business requirement analysis to enhance system functionality.
- Modernized loan management systems, increasing operational efficiency and mitigating risk exposure.
Credit Process Analyst - Group Credit Risk Process
Nordea Bank
03.2014 - 12.2017
- Analyzed and optimized credit processes, enhancing risk assessment and decision-making frameworks.
- Developed innovative credit risk models to improve efficiency in personal banking evaluations.
- Collaborated with compliance and risk management teams to uphold regulatory standards.
- Provided strategic recommendations that facilitated process automation and reduced costs.
Reporting Specialist - Group Credit Control
Nordea Bank
05.2013 - 03.2014
- Managed financial reporting on loan losses, credit ratings, and policy breaches, providing key insights to senior management.
- Ensured data integrity and accuracy in credit risk reporting, improving decision-making processes.
- Developed automated reporting solutions that enhanced efficiency and reduced manual effort.
Personal Banking Advisor
Nordea Bank
06.2008 - 05.2013
- Provided tailored financial advice to individual clients, improving customer satisfaction and financial literacy.
- Managed credit applications and approvals, ensuring compliance with risk policies and procedures.
- Actively promoted and sold banking products, contributing to increased revenue and market share.
Corporate Customer Support
Nordea Bank
06.2007 - 06.2008
- Provided professional financial advisory services to corporate clients, supporting banking transactions and investment inquiries.
- Managed a diverse portfolio of corporate customers, enhancing service quality and client retention.
- Facilitated sales of banking products to strengthen client relationships and increase customer engagement.
Education
Front End Development -
Noroff
Oslo, Norway01.2025
Executive MBA - Strategic Leadership, Business Economics Analysis, Applied Economics and Management
Handelshoyskolen BI
Oslo, Norway01.2016
Personal Finance Law II -
Handelshoyskolen BI
01.2012
Investment Advisory Authorized Financial Advisor -
Handelshoyskolen BI
01.2011
Personal Finance Law I -
Handelshoyskolen BI
01.2009
Bachelor of Science - Macroeconomics
Handelshoyskolen BI
01.2008
Bachelor of Science - Accounting
Handelshoyskolen BI
06-2005
Skills
- Business and financial analysis
- Financial product development
- Credit risk assessment
- Loan processing and compliance
- FinTech solutions
- IT system analysis
- Cloud computing (Azure)
- API integration
- Data-driven decision-making
- Agile project management
- Scrum and Kanban methodologies
- Stakeholder management
- Product lifecycle management
- Process automation strategies
- Agile coaching
- Cross-functional team leadership
- Digital transformation initiatives
- Risk management practices
- Operational efficiency improvements
- SQL proficiency
- Business intelligence tools
- Financial modeling techniques
- System testing and reporting
Languages
English (Fluent), Norwegian (Fluent), Swedish (Fluent), Danish (Advanced), German (Basics)
References
References available upon request.
Timeline
Business Analyst, Development Department
Handelsbanken
09.2023 - 07.2025
Product Owner - Deposits and Loans
Handelsbanken
01.2022 - 08.2023
Scrum Master - Agile Delivery
Itera Norway ASA
08.2021 - 12.2021
Business Analyst - Loan Processing, Financial Services
TietoEvry
01.2018 - 07.2021
Credit Process Analyst - Group Credit Risk Process
Nordea Bank
03.2014 - 12.2017
Reporting Specialist - Group Credit Control
Nordea Bank
05.2013 - 03.2014
Personal Banking Advisor
Nordea Bank
06.2008 - 05.2013
Corporate Customer Support
Nordea Bank
06.2007 - 06.2008
Front End Development -
Noroff
Executive MBA - Strategic Leadership, Business Economics Analysis, Applied Economics and Management
Handelshoyskolen BI
Personal Finance Law II -
Handelshoyskolen BI
Investment Advisory Authorized Financial Advisor -
Handelshoyskolen BI
Personal Finance Law I -
Handelshoyskolen BI
Bachelor of Science - Macroeconomics
Handelshoyskolen BI
Bachelor of Science - Accounting
Handelshoyskolen BI
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