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HomePeer to Peer LendingInterview With Björn Kombächer, Nation Supervisor for Germany

Interview With Björn Kombächer, Nation Supervisor for Germany


Björn, how did you really come to Estateguru?

I turned conscious of the emptiness via a headhunter company from Hamburg, and the job profile appealed to me instantly. Once I took a more in-depth have a look at the place and the corporate, I used to be instantly enthusiastic. I bear in mind the recruitment course of specifically very positively as a result of there have been a number of private interviews, for which I used to be invited each to Berlin and to the headquarters in Tallinn. I discovered this very appreciative and supportive as a result of it gave me a complete impression of what Estateguru is all about: A global working setting, a spontaneous and open group and the at all times shut cooperation with the headquarters.

What in the end satisfied you to hitch Estateguru as Nation Supervisor for Germany?

Estateguru has repeatedly developed its enterprise mannequin during the last ten years, pursued a formidable growth course and likewise proved itself in the marketplace through the turbulent Corona years. Regardless of the already profitable monitor report, as Nation Supervisor of Germany, I nonetheless have the possibility to actively construct up and additional develop an necessary key market. I just like the open, communicative and, as already talked about, worldwide manner of working, that fits my nature. It’s extremely enriching to be taught from completely different cultures and dealing types. Apart from Germany and Estonia, Estateguru has workplaces in Finland, Latvia, Lithuania, Armenia and – a brand-new addition – the UK. For me, the step to Estateguru was subsequently the appropriate manner to have the ability to work much more internationally and to develop myself additional.

Aside from the internationality, what else do you recognize about Estateguru as an employer?

Estateguru and all staff have the braveness to completely change themselves. The corporate always displays on itself. By the free and open manner of working and the lived tradition of errors, which is an integral a part of Estateguru, all of us have the chance to be taught from one another. We are able to attempt issues out and let one another take part to find options. With that in thoughts, we additionally generally pursue approaches that we didn’t have in our personal repertoire earlier than. And all of this in an thrilling, creating business.

What appeals to you personally concerning the work and the enterprise mannequin?

I come from a standard asset supervisor background and have additionally labored within the banking setting. Estateguru is a FinTech that could be very digitally oriented. Attending to know this personal world appeals to me. The particular factor is that regardless of all of the technologisation, individuals are positioned on the centre of the work. This mixture of each folks and digitality, plus a quickly rising firm with a enterprise mannequin that’s distinctive within the pan-European market, this actually is enjoyable.

How do you classify Estateguru’s enterprise mannequin? How will it develop sooner or later?

The subjects of digitalization and pace within the growth and growth of recent enterprise fashions and progressive expertise have performed a job in Estonia for for much longer than in our nation. The Baltic nation is subsequently additionally higher digitally developed. In opposition to the background of a smaller home market, many Estonian firms needed to develop internationally early on. Estateguru’s enterprise mannequin has discovered a distinct segment within the European market that matches the zeitgeist individuals are on the lookout for: Readability and transparency in lending for debtors on the one hand, a significant funding case for personal {and professional} buyers on the opposite, and a mature platform that permits fast and simple mortgage requests and investments. In the long run, we wish to leverage the digital potential throughout Europe and develop a digital and borderless ecosystem for actual property financing and funding. Due to this fact, I anticipate the corporate to develop extraordinarily positively sooner or later.

What has been your finest expertise at Estateguru up to now?

My most rewarding expertise at Estateguru has been the method we’ve got skilled as a group during the last 4 months. We proceed to develop collectively day-after-day and regardless of – or perhaps due to – many backgrounds of the person staff, we kind a terrific group that has large plans collectively. By our agile every day routine, we’ve got to beat and reprioritize new challenges collectively day-after-day and thus develop past ourselves. Our team-building occasion in Croatia lately, the place we carried out change administration workout routines, was notably profitable. That basically introduced us all even nearer collectively.

What does a typical working day in a group seem like – if there may be such a factor?

All the time completely different from what you anticipate. Day by day has new surprises in retailer and, as I simply talked about, that shapes the way in which we work collectively. Day by day, surprising duties are arising in order that we discover ourselves in a everlasting change course of. So, there is no such thing as a such factor as a typical working day. Now we have many appointments day-after-day, however no conferences for the sake of conferences. We at all times have a transparent purpose in thoughts. With a espresso in between, joint lunch breaks or dinners, we guarantee that we take time to usually alternate concepts and likewise loosen up collectively, and regardless of the every day hustle and bustle, we at all times give attention to the well-being of our staff.

What strategic targets have you ever set for Estateguru in Germany?

We wish to perceive our clients, each debtors and buyers, even higher, win institutional buyers and proceed to develop, however not – and that is notably necessary to me – on the expense of our purchasers. We’re taking everybody with us on our journey and wish to develop in the appropriate path collectively.

Describe your group in three phrases. What do you notably recognize about it? 

110 per cent dedication, loyalty and a number of empathy. My group actually has to have the ability to deal with a number of change. However that’s what all of them stay and work for. My group handles the duties very responsibly. My staff recognize the liberty they’ve. I discover the excessive stage of belief we’ve got constructed up very priceless as a result of it means we are able to depend on one another and everybody enjoys working collectively. All of us have the identical imaginative and prescient in thoughts and pursue the identical purpose collectively day-after-day.

And at last, a couple of phrases about you personally: What’s your excellent steadiness to work? And what was your first private funding?

My excellent steadiness is time with my household. I additionally wish to go kiting and crusing as a result of there I can simply change off and neglect the world round me. By the way in which, my first funding additionally gave me an 8 % return, similar to Estateguru does for our buyers as we speak. Solely again then it was nonetheless a conservative, high-interest financial savings bond.

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