Delfin Group

Regulatory Filings • Jul 2, 2025

Contact

Annas 14, Valmiera, LV-4201 +371 26838216 (Mobile) martins.ozz@gmail.com

www.linkedin.com/in/martinsozolins-b4072455 (LinkedIn)

Top Skills

Credit Risk Financial Risk Risk Management

Languages

English (Full Professional) Latvian (Native or Bilingual) Russian (Professional Working)

Honors-Awards Medal of Draudzīgais aicinājums

Martins Ozolins

Certified Board Member / Fintech professional Latvia

Experience

Eleving Consumer Finance Group CEO / Chairman of the Management Board October 2020 - February 2024 (3 years 5 months) Riga, Latvia

• 8 active markets (4 Europe / 4 Africa)
• 1000+ group employees
• 130M+ EUR annual sales
• 170M+ EUR annual revenue
• 20M+ EUR annual net profit

Finko

HUB COO/CRO May 2018 - September 2020 (2 years 5 months) Riga, Latvia

• 3 active markets (2 Europe / 1 Middle East)

With Hub CEO we were responsible for management of 2 European markets as well as launch of new markets in Middle East (1 market was succefullty launched / 1 was ready for launch).

My responsibility areas CS/DC, marketing, Risk management, IT development management, new market research and launch.

Marginalen Group 4 years

Baltic region Business controller November 2017 - April 2018 (6 months) Riga/Valmiera, Latvia

Baltic region companies

• Consumer lending: SIA Aizdevums.lv (LV), UAB General Financing (LT);

• Debt collection: SIA Gelvora (LV), SIA Sergel (LV), UAB Gelvora (LT), UAB Sergel (LT).

Planning and reporting for Baltic region May 2014 - October 2017 (3 years 6 months) Riga/Valmiera, Latvia

• Lead of finance development projects. Completed projects include:
• • IFRS based loan provisioning model;
• • Cession portfolio evaluation model;
• • Budgeting model for loan portfolio/provision movement;
• • Budgeting model for cession portfolio performance;
• • Financial reporting model according to Basel III requirements.

• Management board support function in regard of finance analysis for business development projects;

• Monthly KPI reporting for all LV companies;

• Intra-Baltic PLA and BS consolidation;
• Tariff recalculation according to the market tendencies;

• Cession portfolio evaluation for purchasing purposes;

• Loan portfolio stress testing.

Graduate of Talent program 2015 (12 participants from Marginalen group - SE, LT, LV).

GE Money Bank Risk department June 2008 - December 2013 (5 years 7 months) Riga, Latvia

During my time with GE Money Bank I was in various roles in Risk department starting from Risk analyst up to Head of Enterprise Risk Compliance Division.

Main achievements:

• Leading company portfolio sale and hand-off process in run-down phase;

• Development and management of internal stress testing & provisioning methodology;

• Member of Asset and Liability & Methodology and Internal Control Committees;

• Implementation of loan collateral management system @ GE Artesia Bank in the Netherlands.

Education

Baltic Institute of Corporate Governance Board Member Education · (October 2024)

Rigas Ekonomikas Augstskola / Stockholm School of Economics in Riga

Bachelor of Business Administration (B.B.A.) · (2003 - 2006)