United Finance

Go from product sales to service sales and make it in a world where ownership is a burden.

We’ll help you.

United Finance

Welcome to the new era of service sales.

The world is changing fast. And traditional business models are changing along with it. More and more companies want to buy products as services instead of actually owning them.

We’ll help your company adjust to this new era of buying and shift from traditional product sales to service sales.

You provide your customers with services, and they pay you to use them. It’s as simple as that.

How is this good for your business?

You’ll get new customers

Your potential customers would rather pay for using devices, not for owning them.

Customers will be more likely to buy

It's much easier to make a decision on a €1,500 monthly service than on a €50,000 investment.

The value of your company will increase

When customers go from buying products to subscribing to services, you can deepen your relationship by adjusting your service to meet their needs.

Customer loyalty will increase

When customers go from buying products to subscribing to services, you can deepen your relationship by adjusting your service to meet their needs.

Bring your product to us.
We’ll turn it into a service.

You’ll get a ready-made financing model and the tools you need to develop and maintain your service sales based business.

How we do it

1. Initial arrangements

We’ll go through your product and service portfolio with your company and work out the practical matters. After that, we’ll be ready to launch your service sales.

2. Service sales

Once your services start selling, you can use the easy-to-use ufinance.com portal to make service agreements with your customers. After the contract has been signed, your company will deliver the products your customers will need.

3. Invoicing

We’ll pay you for the device and manage the end user service invoicing on your behalf under your company’s name.

United Finance Ltd. as a company

United Finance is a rapidly-growing and internationalising financial institution specialising in service sales. Established in 2010, it currently has around 300 clients in Finland. Our aim is to be the leading expert in service sales in Europe.

The world is changing and breakneck speed, and the operating models and assumptions of the past no longer guarantee success. Our business is based on our deep understanding of this change and what it means. We use this insight to help our clients successfully grow their businesses – today, tomorrow and well into the future.

The key players in our company have years of experience in finance, service company operations and the IT sector. Our diverse backgrounds in multiple fields give us unique insight into how different business sub-areas can work together effectively. We’re always looking for the best specialists to join our team and further strengthen our knowledge base.

Ufinance

Ufinance is a core part of United Finance’s service offering. It’s a tool our partners can use to digitalise their sales processes and make the smooth transition from product sales to service sales.

  • The United Finance app, which we’ve been actively developing since 2010, is designed to support product management and the automated creation of service contracts suppliers for suppliers.
  • The financing of service contracts has been largely automated, which means you can make smaller service contracts with lower transaction costs.
  • Delivery and service contracts can be created quickly and easily online via the Ufinance app. The service is available to all our customers and it can be custom-designed on a partner-specific basis.
  • The app lets your and your partners manage the entire lifecycle of your contracts.
  • The app will be linked to the existing financial management software, which means that users can directly link contract transactions to their own accounting.

Read more >

Explore the features

  • The offer made to the client
  • Delivery Contract and Service Contract
  • Order confirmation
  • Third-party invoicing of monthly installments and services
  • Accounts ledger and collection
  • Integration of the bank system through financial management software
  • Accounting materials
  • Management of fixed assets register
  • Outgoing supplier payments and account settlements during the fiscal period
  • Reports

  • Handling of various stages of the contract period, such as period prior to signing of the contract, the functions of the contract period and the period after the contract period; extension period, remainder values and the termination of the contract.
  • Termination of the contract during the contract period
  • Product catalogue, in which devices, services and licenses, amongst other things, are modulated to be product-specific.
  • Real-time reporting of refinancers
  • User levels and authentication of contract management
  • Storage of data and data analytics that work with BI
Through contract management, both service provider specific and full contract base executions can be carried out.

What our clients have to say

”We tapped into entirely new market segments”

United Finance has a deep understanding of how to refine service sales models and a burning desire to develop our service offering. With their help, we’ve extended our business into new market segments and gained a significant competitive edge. One of the fruits of our cooperation has been the launch of the ITDiamond service, which has been a great way for us to apply and benefit from the principles of service sales.

Jouni Erkkilä,
CEO
PCP Partner Oy

”Energy efficiency services for a fixed monthly price”

United Finance Ltd has an excellent service model that lets our property clients benefit from energy efficiency services at a fixed monthly price. With United Finance’s help, we’ve make it easier for our customers to make a purchase decision and to productise the adoption of the service more flexibly than before. This new addition has been warmly received by our customers, which also means it’s helped boost our bottom line.

Heikki Uurto,
CFO
Ouman Oy

“Products and services for Data Group’s customers for one monthly fee”

Our objective is to offer our customers all the key products and services they need from the same place – and for a single monthly fee. Selling products as a service used to be challenging because it was generally done through leasing and financing options. We’re confident that our partnership with United Finance will bring more possibilities and flexibility to service sales and help us to develop our service sales to better support our customers’ business operations.

Timo Vilenius,
CEO
Data Group

“Light as a service”

Replacing existing sources of light with new-generation LED technology has saved our customers energy and money. Together with United Finance, we’ve developed the ‘Valoa Palveluna’ (‘Light as a Service’) concept, which lets our customers save energy without a heavy initial investment. In the concept, the replacement project pays for itself in the very first month. We believe that our partnership with United Finance will lead to significant growth in turnover over the next few years.

Marko Puumalainen,
Development Director
Ecotale Oy and Toshiba

“Are you our next success story”

We’ve helped dozens of companies boost their businesses with service sales. Get in touch with us and we’ll do the same for your company.

Timo Leinonen,
Sales director
Tel. 040 509 6255

Executive board

Marko
Roivainen

CEO

Responsible for the strategic leadership of the group. Over 17 years of entrepreneurial and management experience in IT and software development, financial administration, financing and insurance industries.

Tel. +358 400 603 417

Sami
Sipilä

COO

Responsible for the development of operative functions, international business and information management.
Over 15 years of experience in managing IT, outsourcing and business consultation projects in more than 30 countries.

Tel. +372 513 9857

Timo
Leinonen

Sales Director

New customer acquisition, consulting and training of the service businesses of customer companies.
Over 20 years of experience in IT service development, the last 10 years of which as an entrepreneur.

Tel. +358 40 509 6255

Marko
Matikainen

CCO

Responsible for the development of customer accounts and service processes. Over 20 years of experience in developing service businesses. Partner in in several financing and service companies for 15 years.

Tel. +358 40 650 6900

In addition to the members of our executive board, our ten other experts will be there to help your company succeed through service sales.

We’re looking for new workmates

We’re always looking for great new talents to join us. Let us know if you’re the right person for one of the positions below or send an open application to careers@ufinance.com

Service designer

PAs a service designer, you’ll be a key player in the redesigning of the operating models of our client companies. You’ll assume responsibility for the smoothness of customer-specific processes and ensure that our customers make the most of the service platform we offer. You’ll support our customers’ sales and financial management teams on a day-to-day basis, helping them do better work every day. You’ll serve as an important link between our customers and product development team, which means you’ll be directing the continuous development of our concept. You’re an integral part of the client account team, where you’ll work with the account manager, customer service professionals and an international development team.

Read more >

What we expect you to bring to the table

You get on well with everybody and you’re familiar with the basic concepts of financing and finances. You’re not afraid to dig into the fascinating world of system integrations when necessary. The work requires being prepared to travel in Finland and, when required, to the other countries in which we operate.

Why work with us?

In addition to a competitive rate of pay and other benefits, we offer you the opportunity to take the next great leap forward in your career in a rapidly-growing and internationalising financing company. With us, you’ll get to work with a totally unique service concept, which is scalable to companies of all types, sizes and nationalities. Our goal isn’t only to change the financing field but the way services are bought and sold across the entire B-to-B sector.

Interested?

Send your CV and any questions you might have to: careers@ufinance.com with a reference to the name of the role in the subject.

Director of sales

Your main task as director of sales is to increase the size of our customer network. The entire client account team will be there to support you, including the account director, service designer, customer service professionals and the international development unit. Our customers are generally medium and large Finnish and international companies.

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What we expect you to bring to the table

To succeed at this job, you’ll communicate with the owners of our client companies about increasing owner value and guide their management teams in understanding the benefits of service sales. When necessary, you’ll also guide our clients’ sales teams in the jungle of service sales. You’ve already achieved proven results in the areas of financing, solution selling or management consulting.

Why work with us?

In addition to a competitive rate of pay and other benefits, we offer you the opportunity to take the next great leap forward in your career in a rapidly-growing and internationalising financing company. With us, you’ll get to work with a totally unique service concept, which is scalable to companies of all types, sizes and nationalities. Our goal isn’t only to change the financing field but the way services are bought and sold across the entire B-to-B sector.

Interested?

Send your CV and any questions you might have to: careers@ufinance.com with a reference to the name of the role in the subject.

Account director

Your task as account director is to work with the account team to steer our customers’ changeover process from product sales to service. The team includes a service designer, customer service professionals and the international development unit. The accounts you’ll be responsible for handling are medium or large Finnish and international companies.

Read more >

What we expect you to bring to the table

You’re good at talking to the owners of our client companies about increasing owner value and consulting and supporting their management teams in the transition to service sales. When necessary, you’ll also guide our clients’ sales teams in the jungle of service sales. You’ve already achieved proven results in the areas of financing, solution selling or management consulting.

Why work with us?

In addition to a competitive rate of pay and other benefits, we offer you the opportunity to take the next great leap forward in your career in a rapidly-growing and internationalising financing company. With us, you’ll get to work with a totally unique service concept, which is scalable to companies of all types, sizes and nationalities. Our goal isn’t only to change the financing field but the way services are bought and sold across the entire B-to-B sector.

Interested?

Send your CV and any questions you might have to: careers@ufinance.com with a reference to the name of the role in the subject.

Application Architect, Bengaluru

We are looking for an experienced Software Architect to make intuitive high level decisions for software development. You will see the “big picture” and create architectural approaches for software design and implementation to guide the development team.

A great software architect has a strong technical background and excellent IT skills. They are experienced in designing and possess ability to develop a unified vision for software characteristics and functions.

The goal is to provide a framework for the development of a software or system that will result in high quality IT solutions.

Read more >

Role Description

  • Work as part of the technical team to define and document the application architecture for the IT backbone systems
  • Work closely with client technical staff (wherever necessary) to ensure solutions adhere to client standards and fit their strategic enterprise architecture
  • Define and manage non-functional requirements, including working with others to ensure these requirements have been met
  • Define and organize development tasks and accurate estimation of these tasks
  • Work closely with members of the development team to ensure that the software design and implementation meets the architectural goals and quality standards
  • Provide support/guidance to analysts, and other team members, during functional requirements definition to ensure that functionality is both technically achievable and feasible within the project constraints
  • Identification and ownership of technical project risks and issues, including owning mitigation activities and resolution of issues

Skills:

  • Experience with infrastructure (Server, Storage, and Database) discovery, design, build, and migration
  • Experience with private and public cloud architectures, pros/cons, and migration considerations
  • Architectural exposure to Windows, LINUX, UNIX, VMware, Hyper-V, XenServer, Oracle, DB2, SQL Server, IIS Server, SAN, NAS, VCE/FlexPod, and other technologies
  • People development experience in terms of hiring, mentoring and assessing performance of the technical teams
  • Exposure to AGILE methodologies with implementation experience of SCRUM or KANBAN
  • Proficiency in Cloud Computing and Storage technologies such as Azure and Amazon Web Services

Qualification:

  • B.Tech/B.E or higher degree in any stream (computer science preferred)
  • Total experience of at least 9 years in development of IT solutions on .NET and Windows platforms
  • Minimum 3 years in software/application architect roles

Interested?

Send your CV and any questions you might have to: careers.bengaluru@ufinance.com with a reference to the name of the role in the subject.

Front-End Developer, Bengaluru

We are looking for a Front-End Web Developer who is motivated to combine the art of design with the art of programming. Responsibilities will include translation of the UI/UX design wireframes to actual code that will produce visual elements of the application. You will work with the UI/UX designer and bridge the gap between graphical design and technical implementation, taking an active role on both sides and defining how the application looks as well as how it works.

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Role Description

  • Develop and support existing client systems and applications
  • Build reusable code and libraries for future use and ensure the technical feasibility of UI/UX designs
  • As part of a team assist in the design and implementation of web applications, prototypes, and user interfaces
  • Analyze client business requirements to translate needs into technical requirements
  • Engage in critical problem solving and implement tasks in accordance with schedule
  • Continuously improve skills, adapt emerging technologies, and apply best practices
  • Optimize application for maximum speed and scalability
  • Assure that all user input is validated before submitting to back-end

Skills:

  • Proficient understanding of web markup, including HTML5, CSS3
  • Basic understanding of server-side CSS pre-processing platforms, such as LESS and SASS
  • Proficient understanding of client-side scripting and JavaScript frameworks, including jQuery
  • Good understanding of advanced JavaScript libraries and frameworks, such as AngularJS
  • Good understanding of asynchronous request handling, partial page updates, and AJAX
  • Basic knowledge of image authoring tools, to be able to crop, resize, or perform small adjustments on an image
  • Proficient understanding of cross-browser compatibility issues and ways to work around them.
  • Proficient understanding of code versioning tools, such as SVN and WinCVS/Perforce
  • Good understanding of SEO principles and ensuring that application will adhere to them

Qualification:

  • B.Tech/B.E or higher degree in any stream (computer science preferred)
  • Minimum experience of 3 years with frontend development

Interested?

Send your CV and any questions you might have to: careers.bengaluru@ufinance.com with a reference to the name of the role in the subject.

Full Stack Developer, Bengaluru

We are looking for a Developer responsible for managing the interchange of data between the server and the users, as well as translating the UI/UX design wireframes to actual code that will produce the visual elements of the application. You will also design the overall architecture of the web application and evolve it to ensure maximum performance and stability.

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Role Description

  • Design of the overall architecture of the web application
  • Implementation of a robust set of services and APIs to power the web application
  • Building reusable code and libraries for future use
  • Optimization of the application for maximum speed and scalability
  • Implementation of security and data protection
  • Translation of UI/UX wireframes to visual elements
  • Integration of the front-end and back-end aspects of the web application
  • As part of a team assist in the design and implementation of web applications, prototypes, and user interfaces
  • Analyze client business requirements to translate needs into technical requirements

Skills:

  • Proficient knowledge of .NET (ASP, ADO, 3.0 and C#)
  • Understanding differences between multiple delivery platforms (such as mobile vs, desktop), and optimizing output to match the specific platform
  • Good understanding of server-side templating languages Jade and EJS
  • Good understanding of server-side CSS preprocessors such as SASS
  • Creating database schemas that represent and support business processes
  • Data migration, transformation, and scripting
  • Management of hosting environment, including database administration (SQL Server) and scaling an application to support load changes
  • Understanding of fundamental design principles behind a scalable application
  • Ability to work with REST APIs and familiarity with unit testing
  • Good understanding of advanced JavaScript libraries and frameworks such as AngularJS
  • Familiarity with code versioning tools such as Mercurial, SVN and WinCVS

Qualification:

  • B.Tech/B.E or higher degree in any stream (computer science preferred)
  • Total experience of at least 5 years in IT solutions development
  • Minimum 3 years in designing and developing software solutions end-to-end

Interested?

Send your CV and any questions you might have to: careers.bengaluru@ufinance.com with a reference to the name of the role in the subject.

Test Automation Specialist, Bengaluru

Test Automation professionals provide specialized expertise in test automation using commercially available functional test tools he Automation Specialist will be responsible to plan, design, develop, maintain and execute all automated tests scripts. They will apply technical expertise to deliver dedicated automation services to all projects while ensuring adherence to timelines as well as relevant standards and practices. The Automation Specialist is also responsible to aide in the development, establishment and enforcement of Quality Assurance standards and best practices.

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Role Description

  • Participating in the analysis to assess automation feasibility
  • Automation requirements gathering and analysis
  • Planning, defining, executing, and analyzing automation related testing strategies and solutions through business, functional and technical expertise
  • Designing and implementing testing framework, building function libraries, and object repositories
  • Analyzing test results and defect reporting
  • Assisting in utilizing efficient and effective processes, standards and test metrics in to order continuously improve the test automation service

Skills:

  • Strong experience with various functional test automation methodologies such as hybrid, keyword, data-driven, component data-driven, message data driven
  • Experience in software development with languages such as C#, .NET and other Microsoft technologies
  • Experience with version control tools such as WinCVS or Perforce
  • Proficiency with SQL and an understanding of relational and NoSQL databases
  • Experience with ALM OTA (Open Test Architecture)
  • Strong analytical skills, creativity and detail-oriented
  • Experience with Windows and Unix Operating Systems
  • Excellent debugging and troubleshooting skills
  • Demonstrated skills in the following testing toolsets – HP Suite ALM, BPT, UFT, LoadRunner, MQ Messaging
  • Experience with automation test strategy, automation testing framework, planning, execution and analysis of detailed test plans
  • Ability to facilitate and educate others on automation in QA

Qualification:

  • B.Tech/B.E or higher degree in any stream (computer science preferred)
  • 3+ years’ experience in open source tools such as Selenium, RobotFramework and Cucumber
  • 3+ years’ experience designing, developing, and automating unattended API test frameworks

Interested?

Send your CV and any questions you might have to: careers.bengaluru@ufinance.com with a reference to the name of the role in the subject.