CORPORATE GOVERNANCE

Below you will find information on Qliro’s Board of Directors, the Board’s committees, the company’s management, as well as other documents related to corporate governance.

Patrik Enblad

Chairman since 2022

Patrik Enblad

Committee Assignments
Member of the Remuneration Committee

Education:
Studies in Economics at Stockholm University

Relevant Work Experience:
CEO, Newsec, 2009 – 2012
CEO, HQ Bank, 2002 – 2007
Chairman of the Board, Orc Group, 2011 – 2012
Board Member, Cinnober, 2015 – 2018

Other Current Assignments:
Chairman, Degoo/Instabridge

Ownership in Qliro AB:
694 060 shares and 300 000 warrants

Independent of the company and management, independent of major shareholders.
Alexander Antas

Member since 2020

Alexander Antas

Committee Assignments
Chair of the Remuneration Committee

Education
Master’s degree in Finance from Hanken School of Economics, Finland

Relevant Work Experience
Head of Private Equity, Mandatum Alternative Investments Funds Ltd
Previously Portfolio Manager and Head of Alternative Investments, Sampo plc (2008–2020)
Analyst, Carnegie Investment Bank (2006–2008)

Other Current Assignments
Board Member of Oddlygood Oy, Pet Pawr Group AB, Silmäasema Oy, Coronaria Oy, and the Foundation of the Swedish School of Economics
Deputy Board Member, Finnish Venture Capital Association (FVCA)
Observer on the Board of Elematic Oy

Ownership in Qliro AB
0 shares and 0 warrants

Independent of the company and management, independent of major shareholders.
Mikael Kjellman

Member since 2022

Mikael Kjellman

Committee Assignments
Member of the RCACC

Education:
IHM Business School

Relevant Work Experience:
Founder and CEO, Skincity AB and Tradecity AB

Other Current Assignments:
Chairman of the Board, Tradecity AB and Söderby Stuteri AB

Ownership in Qliro AB:
335 205 shares and 150 000 warrants

Independent of the company and management, independent of major shareholders.
Lennart Francke

Member since 2016

Lennart Francke

Committee Assignments
Chair of the RCACC

Education
Master of Science in Business and Economics, Stockholm School of Economics
Program for Management Development, Harvard Business School, USA

Relevant Work Experience
Appointed by Swedbank Robur to several nomination committees in listed companies
Former Senior Advisor and Head of Group Finance, Swedbank (2013–2014 and 2011–2012)
Former Deputy CEO, Group CFO, and Head of Group Credit, Handelsbanken (1998–2006)
Other senior management positions at Handelsbanken (1978–1998)

Other Current Assignments
Chairman of the Board, Affärsvärlden Foundation and Borgo AB
Board Member, Centrum för Näringslivshistoria CfN AB

Ownership in Qliro AB
17 199 shares and 150 000 warrants

Independent of the company and management, independent of major shareholders.
Helena Nelson

Member since 2015

Helena Nelson

Committee Assignments
Member of the RCACC

Education
Master of Laws (LL.M.), Lund University
Ruter Dam Management Program, Stockholm

Relevant Work Experience
Chief Legal Counsel and member of the Executive Management Board, Carnegie Investment Bank AB (publ)
Former Chief Compliance Officer and Head of Operational Risk, Swedbank (2009–2013)
Chief Legal Counsel, Skandia (2006–2009)
Other legal positions at Skandia and board assignments in Swedish and foreign companies within the Skandia Group (1994–2006)
Judicial work in courts (1989–1994)

Other Current Assignments
Board Member, Carnegie Personal AB and Montrose by Carnegie
Member of the General Assembly, Livförsäkringsbolaget Skandia

Ownership in Qliro AB
1 000 shares and 100 000 warrants

Independent of the company and management, independent of major shareholders.

EXECUTIVE MANAGEMENT TEAM

Qliro’s Group Management consists of individuals with broad and extensive experience from the payments industry and other financial sectors. The CEO of Qliro is responsible for the day-to-day management of the company in accordance with external and internal regulations. The internal regulations govern the division of responsibilities and the interaction between the CEO and the Board of Directors. The CEO works together with the other members of Qliro’s Group Management, and each member of Group Management reports to the CEO, who in turn reports to the Board.

Christoffer Rutgersson

CEO

Christoffer Rutgersson

Year of Birth
1986

Member of Group Management Since
2022

Education
Master of Science in Industrial Engineering and Management, Linköping University, School of Engineering

Previous Experience
Angel investor in tech startups
Board Member, Greenely (2018–2022)
VP Portfolio & Growth Management, Ingenico Retail (2019–2020)
Co-founder and Chief Growth Analytics Officer, Bambora (2014–2018)
Consultant, Boston Consulting Group (2011–2014)

Ownership in Qliro AB
864 015 shares and 748 874 warrants
Carl Löfgren

Chief Financial Officer

Carl Löfgren

Year of Birth
1980

Member of Group Management Since
2025

Education
Master’s degree in Industrial Engineering and Management, Royal Institute of Technology (KTH)

Previous Experience
Investment Manager, Investor AB (2017–2024)
Member, Nasdaq Nordic Advisory Committee (2018–2024)
Founder, Courons AB (2015–2017)
Managing Consultant, MasterCard Advisors (2014–2015)
Manager, Bain & Company (2008–2014)
Consultant, Oliver Wyman (2005–2008)

Ownership in Qliro AB
11 094 shares and 0 warrants
Evelin Kaup

Chief Product Officer

Evelin Kaup

Year of Birth
1987

Member of Group Management Since
2024

Education
Master’s degree in Banking and Finance, Stockholm University

Previous Experience
Founder, Bapelsin (2022–2024)
Head of Product, Liber (2019–2022)
Head of Product, Nordnet (2016–2019)
Product Owner, Spotify (2016)
Product Manager, Klarna (2013–2016)

Ownership in Qliro AB
15 131 shares and 60 000 warrants
Joel Nisses

Chief Risk Officer

Joel Nisses

Year of Birth
1981

Member of Group Management Since
2023

Education
Master of International Business, Grenoble Ecole de Management
Bachelor’s degree in Business Administration, focus on Corporate Finance, Lund University
Bachelor’s degree in Political Science, focus on Crisis Management and International Cooperation, Swedish Defence University

Previous Experience
Director, FCG (2017–2023)
Commercial Director, RegTech Solutions, FCG (2020–2022)
Senior Consultant, 4C Strategies (2013–2016)
Founder and Managing Director, Nordiva Healthcare AB (2010–2013)
Schibsted Trainee Program with various roles within the Schibsted Group (2007–2010)

Ownership in Qliro AB
43 042 shares and 50 000 warrants
Fredrik Milton

Chief Technology Officer

Fredrik Milton

Year of Birth
1977

Member of Group Management Since
2022

Education
Natural Science Program with Technical Orientation, 1996, Hersby Lidingö

Previous Experience
Owner, Independent Consulting Firm (2016–2022)
Partner, Polar Cape Consulting (2011–2016)
Consultant, HiQ (2006–2009)
System Architect, Song Networks/TDC (2002–2006)
Head of Development, Wineasy (1999–2001)

Ownership in Qliro AB
13,787 shares and 60,000 warrants
Emma Lunde

Chief Operating Officer

Emma Lunde

Year of Birth
1982

Member of Group Management Since
2022

Education
IHM Business School
COPC-2000® CSP Standard, Registered Coordinator Training – COPC Inc, Amsterdam

Previous Experience
Head of Operations, Qliro (2020–2022)
CEO, Women for Education (NGO) (2021–2022)
Domain Lead / Head of Service Center (Global), Klarna (2018–2020)
Director, Service Center Europe (2017–2018)
Head of Account & Operations, Webhelp (2012–2017)
Interim Customer Service Manager, Svenska Dagbladet / Schibsted (2011–2012)
Contact Center Manager, Teleperformance (2007–2011)
Project Manager, American Express (2006–2007)
Business Save Desk Manager, Hi3G Access (2005–2008)

Ownership in Qliro AB
7 845 shares and 35 000 warrants
Robin Soubry

Chief Strategy Officer

Robin Soubry

Year of Birth
1986

Member of Group Management Since
2023

Education
Master’s degree in Industrial Design, University of Antwerp
Master of Business Administration (MBA), Vlerick Business School

Previous Experience
Product Strategy Management, Worldline
Head of Product & Customer Experience, E-commerce Offering, Europe, Worldline
Head of Value Proposition, European Payment Solutions, Worldline

Ownership in Qliro AB
29 497 shares and 60 000 warrants
Lina Nätterlund

Chief Credit Officer

Lina Nätterlund

Year of Birth
1988

Member of Group Management Since
2024

Education
Master of Science in Industrial Engineering and Management, Royal Institute of Technology (KTH), Stockholm

Previous Experience
Head of Credit, Froda (2019–2024)
Senior Manager, Pay Later Underwriting, Klarna (2015–2019)
Management Trainee, MTG/Viaplay (2014–2015)

Ownership in Qliro AB
0 shares and 0 warrants
Peder Ålenius

Chief Commercial Officer

Peder Ålenius

Year of Birth
1979

Member of Group Management Since
2024

Education
Master of Science in Economics and Business Administration, School of Business, Economics and Law, University of Gothenburg

Previous Experience
Senior VP Sales EMEA, Sinch (2019–2024)
Regional Sales Director, Vaimo (2017–2019)
Management Consultant, Howee Technologies (2014–2017)
European Director of Sales and Marketing, EF (2010–2014)
Sales Development Manager, Visasat (2008–2010)
Management Trainee, MTG (2007–2008)

Ownership in Qliro AB
19 850 shares and 60 000 warrants
Anna Engman

Chief People Officer

Anna Engman

Year of Birth
1989

Member of Group Management Since
2023

Education
Bachelor’s degree in Human Resource Management, Linköping University

Previous Experience
Recruitment Manager, Stockholm and Mälardalen, Combitech (2014–2015)
Head of Talent & Culture, Talentech (2016–2018)
VP People & Culture, Detectify (2018–2023)

Ownership in Qliro AB
4 300 shares and 35 000 warrants