Homepeer to peer loanInterview With Björn Kombächer, Nation Supervisor for Germany

Interview With Björn Kombächer, Nation Supervisor for Germany


Björn, how did you truly come to Estateguru?

I grew to become conscious of the emptiness by way of a headhunter company from Hamburg, and the job profile appealed to me immediately. After I took a more in-depth take a look at the place and the corporate, I used to be instantly enthusiastic. I keep 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 surroundings, a spontaneous and open crew and the all the time shut cooperation with the headquarters.

What finally satisfied you to affix Estateguru as Nation Supervisor for Germany?

Estateguru has repeatedly developed its enterprise mannequin over the past ten years, pursued a formidable enlargement course and likewise proved itself available on the market throughout the turbulent Corona years. Regardless of the already profitable observe file, 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 means of working, that fits my nature. It’s extremely enriching to study from totally different cultures and dealing kinds. In addition to 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 means to have the ability to work much more internationally and to develop myself additional.

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

Estateguru and all workers have the braveness to completely change themselves. The corporate consistently displays on itself. Via the free and open means of working and the lived tradition of errors, which is an integral a part of Estateguru, all of us have the chance to study from one another. We are able to attempt issues out and let one another take part 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 conventional asset supervisor background and have additionally labored within the banking surroundings. Estateguru is a FinTech that may be very digitally oriented. Attending to know this personal world appeals to me. The particular factor is that regardless of all of the technologisation, persons are positioned on the centre of the work. This mix 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 velocity within the improvement and enlargement 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 persons are searching 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 allows fast and simple mortgage requests and investments. In the long run, we need to leverage the digital potential throughout Europe and develop a digital and borderless ecosystem for actual property financing and funding. Subsequently, I anticipate the corporate to develop extraordinarily positively sooner or later.

What has been your greatest expertise at Estateguru thus far?

My most rewarding expertise at Estateguru has been the method now we have skilled as a crew over the past 4 months. We proceed to develop collectively day by day and regardless of – or perhaps due to – many backgrounds of the person workers, we kind an amazing crew that has huge plans collectively. Via our agile day by day routine, now we have to beat and reprioritize new challenges collectively day by day and thus develop past ourselves. Our team-building occasion in Croatia not too long ago, the place we carried out change administration workout routines, was significantly profitable. That actually introduced us all even nearer collectively.

What does a typical working day in a crew appear to be – if there’s such a factor?

At all times totally different from what you anticipate. Each day has new surprises in retailer and, as I simply talked about, that shapes the way in which we work collectively. Each day, sudden 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 by day, however no conferences for the sake of conferences. We all the time have a transparent purpose in thoughts. With a espresso in between, joint lunch breaks or dinners, we guarantee that we take time to recurrently change concepts and likewise calm down collectively, and regardless of the day by day hustle and bustle, we all the time give attention to the well-being of our workers.

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

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

Describe your crew in three phrases. What do you significantly admire about it? 

110 per cent dedication, loyalty and a number of empathy. My crew 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 crew handles the duties very responsibly. My workers admire the liberty they’ve. I discover the excessive stage of belief now we have constructed up very precious 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 by day.

And eventually, just a few phrases about you personally: What’s your good steadiness to work? And what was your first private funding?

My good steadiness is time with my household. I additionally prefer to go kiting and crusing as a result of there I can simply swap 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 in the present day. Solely again then it was nonetheless a conservative, high-interest financial savings bond.

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