Kjell Vegard Opheim Business Area Manager for Factoring and Executive Vice President, Aptic With extensive industry knowledge and a deep interest in new technology solutions, Kjell joined Aptic in September 2021. Prior to joining Aptic, he spent more than 20 years at SG Finans AS in Norway (later Nordea Equipment Finance AS) and a decade as Head of Factoring. He is known as “Mr Factoring” in the Nordics and runs courses in Factoring, Working Capital and Receivable Finance for the financial companies organisation, FinFo in Norway. His leadership is based on his deep passion for the importance of combining both technical knowledge and insight in how to motivate people for successful growth and develop an inspiring business culture. Kjell Vegard holds a Bachelor in Management from the BI Norwegian Business School.