Senior Management Team


Gustaf Agartson

Founder and CEO

Gustaf has been CEO at BIMA since the company’s formation. He has played a hands-on role in transforming BIMA from a small pilot scheme, into a high-growth, international business. 

Gustaf Agartson previously worked in management roles at the pan-European telecommunications company Tele2, including positions as Mobile Product Manager for Tele2 Netherlands and Head of Controlling for the Tele2 Global Sales and Marketing unit. 

Gustaf holds a masters from the Royal Institute of Technology in Stockholm and a Bachelor in Business Administration from Stockholm Business School.

Mathilda Ström

Deputy CEO

Mathilda joined BIMA in 2011. As Head of Business Development, Mathilda is instrumental in driving BIMA's rapid expansion, as well as overseeing the development of new partnerships and products. Mathilda is acknowledged as an expert in the field of mobile delivered services and is a champion for the microinsurance industry worldwide.  

Before joining BIMA, Mathilda worked for Value Partners (formerly Spectrum Strategy Consultants), where she gained vast experience in developing corporate strategy and managing complex projects within the Telecoms and Media sectors. 

Mathilda holds a BSc in International Management with American Business Studies from the Manchester Business School.

Gary Lumsdon

CFO

Gary joined BIMA as CFO in 2018. He has over twenty years of experience in senior finance and mergers & acquisitions roles gained in consulting, listed international and entrepreneurial high growth private equity backed businesses.

Gary has worked across a wide range of sectors including fintech and insurance. Prior to joining BIMA, Gary was CFO and COO at Carlyle backed ITRS, a company delivery analytics and application performance management software to the worlds leading investment and commercial banks. He has successfully completed two private equity exits in the last 7 years.

Gary qualified as a chartered accountant with KPMG, is an alumni of EY, and holds a first class B.Sc. (Hons) degree in Physics from the University of Manchester.

Puay-Lim Yeo

REGIONAL MANAGER, ASIA

Puay Lim has responsibility for driving performance and maintaining partnerships within our South East Asian markets. 

Puay Lim Yeo has five years of experience in management consulting, specialising in the Telecoms and Media sectors. Prior to joining BIMA, he was a senior consultant at Value Partners (formerly known as Spectrum Strategy Consultants) and Analysys Mason, advising telecoms and media operators in Asia in the areas of corporate strategy, product development, technology, distribution and regulation. He also previously worked in the Singapore Government in the Ministry of Foreign Affairs. 

Puay Lim holds a B.A in Political Science from Columbia University in New York City. 

Stephen Lovell

Director of Product and Technology

Stephen Joined BIMA in February 2019 taking on the role of Director of Product and Technology. Passionate about using technology to delivery amazing experiences to consumers He has been creating disruptive consumer experiences across a number of industries including Gambling, Healthcare, eCommerce, Banking, and CPG. Most recently Stephen was Global Head of Digital at RB managing teams in 6 countries delivering a variety of digital experience for RB brands like Neurofen, Detol, Durex and Enfamil.

Stephen holds a Batchelor of Science in Managerial and Business Administration from Aston Business School and a Postgraduate Diploma in Marketing from the Chartered Institute of Marketeers.

Business Development & Marketing


Mathilda Ström

Deputy CEO

Mathilda joined BIMA in 2011. As Head of Business Development, Mathilda is instrumental in driving BIMA's rapid expansion, as well as overseeing the development of new partnerships and products. Mathilda is acknowledged as an expert in the field of mobile delivered services and is a champion for the microinsurance industry worldwide.  

Before joining BIMA, Mathilda worked for Value Partners (formerly Spectrum Strategy Consultants), where she gained vast experience in developing corporate strategy and managing complex projects within the Telecoms and Media sectors. 

Mathilda holds a BSc in International Management with American Business Studies from the Manchester Business School.

Contact Mathilda

Danielle Treharne

Business Development Africa

Danielle is responsible for defining and executing our expansion strategy across Africa

Before joining BIMA, Danielle built and managed the largest UK government-funded private sector reform project in the Democratic Republic of Congo. Previous to this, she worked for Javelin Group, gaining strong experience in consumer-facing and technologically innovative markets. Danielle brings additional experience from her five years volunteering for Kiva.org microfinance.

Danielle holds a First Class degree in Modern Languages (French, Italian) from the University of Oxford.

Michelle Lowery

Marketing, PR & Communications Manager

Michelle is BIMA’s Marketing, PR and Communications Manager. She is responsible for providing support to our global markets and helping regional teams to implement their marketing activities, as well as raising the profile of BIMA globally through PR.

Prior to working at BIMA, Michelle held senior communications, partnerships and PR roles in the UK and Cambodia. Her background includes social enterprises, NGOs and corporate clients and she has experience managing partnerships with international government funders including USAID and DFID (UK).

Michelle holds an MA in Journalism and a BA in English and Philosophy.

Global Business Services


Gary Lumsdon

CFO

Gary joined BIMA as CFO in 2018. He has over twenty years of experience in senior finance and mergers & acquisitions roles gained in consulting, listed international and entrepreneurial high growth private equity backed businesses.

Gary has worked across a wide range of sectors including fintech and insurance. Prior to joining BIMA, Gary was CFO and COO at Carlyle backed ITRS, a company delivery analytics and application performance management software to the worlds leading investment and commercial banks. He has successfully completed two private equity exits in the last 7 years.

Gary qualified as a chartered accountant with KPMG, is an alumni of EY, and holds a first class B.Sc. (Hons) degree in Physics from the University of Manchester.

Gülnur Gültekin

Office Manager

Gülnur joined BIMA in August 2017. As Office Manager, Gülnur makes sure that the Stockholm office runs smoothly. Prior to joining BIMA, she worked for an American software company as Office Manager and Contracts Administrator.

Karlis Strazdins

internal control director

Karlis is responsible for internal audit and risk management across all Milvik locations.

Karlis's career began in 2000 with PricewaterhouseCoopers (now PwC) in Riga, Latvia and, later, Kiev, Ukraine. He performed external financial audits and process improvement assignments as well as helped listed companies achieve compliance with the requirements of the Sarbanes-Oxley Act.

In 2006 Karlis moved to London, United Kingdom to become an internal audit manager for a NASDAQ-listed media company. He lived in London until 2010 when he returned to his hometown. Back in Riga, Karlis joined the newly established internal audit function of another listed media company, Modern Times Group MTG AB (MTG).

In 2011 Karlis was promoted to MTG's head of internal audit and risk and relocated to Stockholm, Sweden. He served in that role until summer 2016 when he joined Milvik as its first chief audit executive.

Karlis holds a BSc in Economics and Business from Stockholm School of Economics in Riga. He speaks fluent Latvian, English and Russian, and has been a fellow of the Association of Chartered Certified Accountants since 2005.

Janis Rantins

Internal Audit Manager

Janis joined Milvik as Internal Audit Manager in February 2018.

Janis’s career in audit started in 2005 with Ernst & Young (now EY) in Riga, Latvia and later Melbourne, Australia where he was working on different external audit engagements for private as well as listed companies.
In 2012 Janis started working as an internal audit manager for the Scandinavia Holding of Mediterranean Shipping Company (MSC) but in 2014 he joined Modern Times Group (MTG), also as an internal audit manager. In mid 2016 Janis became an acting head of internal audit for MTG to temporarily replace the newly appointed head of internal audit during his paternity leave.

Janis holds master’s degree in economics. He speaks fluent Latvian, English and Russian and is a member of Association of Chartered Certified Accountants.

Mishail Watters

General Counsel

As General Counsel, Mishail is responsible for the legal and compliance functions for BIMA globally. She supports the teams in markets in navigating the legal and regulatory framework to forge successful partnerships and operations.

With over 13 years of in-house and private practice legal experience, Mishail has a broad expertise of cross-border corporate and commercial projects having acted for a range of SMEs in multiple sectors. She was previously Head of Legal at ITRS, a Carlyle Group owned fintech software solutions company servicing for 200+ leading financial institutions.

Mishail is committed to providing practical, business-friendly solutions in ambiguous legal environments for operational efficacy in agile businesses.

Jakob Friedman

Group Legal Counsel

Jakob joined BIMA as Group Legal Counsel to provide legal advice and solutions for the commercial, operational and regulatory challenges BIMA faces in emerging markets. As it continues to grow, the BIMA group also regularly calls on Jakob’s corporate governance, investor relations and M&A expertise.

Prior to BIMA, Jakob spent a number of years focused on corporate law and private equity at Linklaters and Ropes & Gray. Jakob also brings valuable legal experience gained working in the M&A legal teams at Barclays Investment Bank in London and Novartis Pharmaceuticals in Switzerland.

Jakob holds First Class Honours degrees in Law and International Studies and is qualified as a lawyer in England & Wales and Australia.

Patrick Abbotts

Head of Planning & Analysis

Patrick joined BIMA as Head of Planning & Analysis in 2018. He has over eleven years of experience in planning, commercial finance and financial control roles within both corporate and start-up environments.

Prior to BIMA Patrick worked at RateSetter, a UK based peer-to-peer lender for over four years, helping it scale from a bootstrapped start-up into a well-funded and established business. Prior to this he spent three years at Virgin Money, where he helped launch a new credit cards division and almost four years at Barclays Capital where he worked in various financial control roles, including supporting the Lehman Brothers integration in 2008.

Patrick qualified as a CIMA management accountant while at Barclays and holds a first class BSc (Hons) degree in Economics & Finance from the University of York.

Mark Malik

Group Planning & Analysis Manager

Mark joined BIMA as Group Planning & Analysis Manager in 2019. His responsibilities include reporting, planning and KPI oversight. He has four years’ experience of working in a variety of Finance roles supporting global sales and marketing businesses.

Prior to joining BIMA Mark worked for Shell in commercial finance, business partnering and operations roles, including contract management, return on marketing investment leading a team in the shared service centre in Manila.

Mark gained his CIMA qualification whilst at Shell and holds a BSc in Mathematics and Economics from the London School of Economics.

Technical Team


Stephen Lovell

DIRECTOR OF PRODUCT AND TECHNOLOGY

Stephen Joined BIMA in February 2019 taking on the role of Director of Product and Technology. Passionate about using technology to delivery amazing experiences to consumers He has been creating disruptive consumer experiences across a number of industries including Gambling, Healthcare, eCommerce, Banking, and CPG. Most recently Stephen was Global Head of Digital at RB managing teams in 6 countries delivering a variety of digital experience for RB brands like Neurofen, Detol, Durex and Enfamil.

Stephen holds a Batchelor of Science in Managerial and Business Administration from Aston Business School and a Postgraduate Diploma in Marketing from the Chartered Institute of Marketeers.

Harshendra Kumar

Head of Business Intelligence

Harshendra has over 12 years of extensive experience in developing BI solutions and web applications for telecom companies. His previous roles include lead architect for the BI implementation for Tigo Tanzania, Lead BI developer for BI solution in Millicom, Luxembourg as well lead developer for web applications developed in ASP.NET for Tigo Tanzania and AXA group services, Bangalore.

Harshendra is a certified SQL server and ASP.NET professional holds a MSc degree in Information Science from Mangalore University

Smrutirekha Nayak

Head of Quality Assurance

Smrutirekha joined BIMA in 2014 from Hewlett Packard, Bangalore as a QA Lead, having 10+ yrs. progressive and diversified IT experience in Product Development Companies & IT Service Companies in delivering Business Critical applications Quality services & solutions for various Industrial Sectors including Banking, Mobile, Telecommunication and Insurance
She has strong proficiency in Project management, Test management, Test consulting, Budgeting, Telecom products and solutions, Leadership and team building, Test processes and methodologies, testing centers of excellence, Presales, change, release management and Thought leadership.

Chandrakanth Ballapuram

Lead Business Analyst

Chandrakanth joined BIMA in 2015. As Lead Business Analyst, Chandrakanth is responsible for reporting and analytics needs supporting all operations.

Before joining BIMA, Chandrakanth worked for Verisk Analytics in various functional, technical and analytical roles. He has good experience in customer analytics, revenue/churn analytics, machine learning & predictive modelling, and is a subject matter expert on insurance and reinsurance.

Chandrakanth holds a post graduate diploma in Risk Management from IIRM. He is also a certified professional in Insurance/Reinsurance, having being awarded ‘Associate in Reinsurance’(ARe) from AICPCU, USA.

Human Resources


Lee Burrows

GLOBAL HEAD OF HUMAN RESOURCES

Lee joined BIMA in September 2018 to develop the BIMA HR Strategy and its execution and leads a team of HR professionals working across BIMA’s global markets.  He was previously at Microsoft and HSBC, where he held a number of HR Business Partnering roles, and was the Microsoft UK Customer Experience Lead.  He has Led HR functions across a range of sectors from Technology and Financial Services to Entertainment, Gaming and 3rd party logistics and spent 6 years working in HR Leadership roles across Australia and SE Asia.
 
Lee holds a Post-graduate Diploma with distinction in HR and a B.A (Hons) degree in Politics from the University of Durham.

 

Product Development & Innovation team


Stephen Lovell

Director of Product and Technology

Stephen Joined BIMA in February 2019 taking on the role of Director of Product and Technology. Passionate about using technology to delivery amazing experiences to consumers He has been creating disruptive consumer experiences across a number of industries including Gambling, Healthcare, eCommerce, Banking, and CPG. Most recently Stephen was Global Head of Digital at RB managing teams in 6 countries delivering a variety of digital experience for RB brands like Neurofen, Detol, Durex and Enfamil.

Stephen holds a Batchelor of Science in Managerial and Business Administration from Aston Business School and a Postgraduate Diploma in Marketing from the Chartered Institute of Marketeers.

Jose Martin

Global Health Strategy Manager

Jose joined BIMA in 2016 as Global Health Strategy Manager.

Before joining BIMA, Jose started out his career as a practising clinician in Spain, where he founded his own network of healthcare clinics before joining McKinsey as a health sector practice expert. He’s joining us from Telefonica where he was most recently a director on their global eHealth team.

Jose holds a MD from the School of Medicine at the University Complutense and an MBA from Kellogg.

Christina Cosma

Global Insurance Products Manager

Christina joined BIMA in 2018 as the Global Insurance Products Manager. She works with the local market teams to optimize existing insurance product terms as well as pricing, developing and piloting new insurance products.

Before joining BIMA, Christina worked as a Pricing Actuary at Pacific Life Re and a Product Development Actuary at VitalityLife in London. She is also a member of the Institute and Faculty of Actuaries Working Party for e-cigarettes and their impact on the insurance industry.

Christina holds a Fellowship from the Institute and Faculty of Actuaries (FIA) and a BSc in Mathematics from the University of Leeds.

Nicole Evans

Global Customer Experience manager

Nicole joined BIMA in September 2018. As Global Customer Experience Manager she manages BIMA's voice of the customer systems and drives the optimisation of core customer journeys across the business.

Prior to BIMA, Nicole was a manager in PwC’s Financial Services Customer and Digital consulting practice where she led the design and delivery of new, engaging customer experiences for clients in the UK and South Africa. Her flagship projects include the redesign of customer journeys, creation of new digital propositions and partnership development with South African Fintechs and UK Insurtechs.

Nicole holds a MEng in Civil Engineering from Imperial College London and the Hong Kong Polytechnic university.

Prasanth Nath

Global Technical Product Manager

Prasanth joins BIMA with nearly seventeen years of experience in the technology sector in India.  He started his career as a software engineer before becoming a tech entrepreneur, and then ultimately moving into product management. 

Most recently, he worked as a Senior Product Manager with the leading e-commerce company Flipkart.

Prasanth holds a Bachelor of Technology in Naval Architecture and Ocean Engineering from IIT.

Rebecca Cooper

Medical Copywriter

Rebecca joined BIMA in November 2018 as Memedical Copywriter. Rebecca writes and develops content for BIMA health programmes.

Rebecca qualified as a medical doctor in the UK, specialising in Public Health. She has worked for the National Health Service, Local Government and developed social marketing programmes for specialist Public Health providers. Rebecca has developed Public Health and Community programmes with local and International NGOs in sub-Saharan Africa and South America.

Rebecca has a Masters in International Public Health from the University of Sydney, and is a Fellow of the UK Faculty of Public Health.

Operations Team


Nagehan Tarim

Global Operations Manager

Nagehan joined BIMA in 2017 as Global Operations Manager and plays a key role in driving operational excellence across BIMA’s countries of operation and building a world class global operations function.

Nagehan has over 5 years’ experience in financial services. Prior to joining BIMA, she was a management consultant at KPMG in London and was responsible for delivering on large scale and complex technology enabled operational transformation programmes with global banks.

Nagehan is part of the leadership team of the Turkish Women’s International Network London Chapter. Nagehan holds a BA in Economics from Vassar College, New York, and an MSc in International Development from the London School of Economics.

Harish Karakoti

Head of Operations, Asia

Harish joined BIMA as the Country Manager for Bangladesh, building our local operation. Prior to joining BIMA, Harish worked in technology consulting where he led cross-functional teams across geographies and managed product development initiatives in the telecommunications sector.

Harish holds a Bachelor in Information Sciences from University of Delhi and an MBA from Columbia Business School, New York.

Rahul Pandey

Global Revenue Operations Manager

Rahul joined BIMA in 2017.

Before joining BIMA, Rahul was a co-founder in a funded education start up where he worked as Chief Operations Officer. In his other start up, he created multiple data analytics tools to provide insights to political leaders.

Rahul holds a B.Tech degree from Indian Institute of Technology, Kanpur and an MBA from IIM Bangalore.