Senior-level expertise in credit risk, portfolio management, and data analytics — helping financial institutions and businesses make better decisions through rigorous analysis.
Over a decade across banking, consumer finance, and fintech — applied now as independent consulting.
End-to-end credit risk strategy — underwriting policy design, PD/LGD/EAD modeling support, KPI monitoring, and debt collection strategy. Built for lenders who want precision, not guesswork.
Ad-hoc and recurring analytics, dashboard design, and business intelligence. From raw SQL queries to executive-ready Tableau and Power BI reports that drive decisions.
IFRS9 impairment ownership, IRB requirement consolidation, ESG testing datasets. Helping teams meet regulatory obligations without losing sight of business performance.
Fraud detection framework design, scoring model review, and operational risk controls — drawing on hands-on experience across multiple international markets in Asia and the Baltics.
My career spans senior roles at Luminor Bank, Eleving Consumer Finance, RoboCash, and 4finance — covering credit risk, fraud risk, and operational risk across Europe and Asia.
Educated at the Stockholm School of Economics (BSc) and the Swedish University of Agricultural Sciences (MSc in Environmental Economics & Management), I bring both quantitative rigour and strategic thinking.
Data deliveries for Risk Analytics — PD, LGD, CCF, EAD modeling datasets, ESG testing, IRB and IFRS9 requirement consolidation.
Credit, fraud and operational risk across BTW, NAM, LSO, MWI portfolios. IFRS9 impairment ownership, underwriting policy, scoring, and collection strategy.
Credit and fraud risk for Asian portfolios (PH, VN, ID, IN). Co-managed 4-country setup, scoring models with data-science team, reported directly to CRO & CEO.
Reporting, scoring model review, SQL/SAS scripting, introduction of "Loss to Sales" metric, budget support during regulatory changes.
State aid programs, regulatory amendments, stakeholder negotiation, Excel modelling and state aid database management.
Hands-on tools used day-to-day across risk, analytics, and reporting.
Whether you need a full risk framework built, a data project delivered, or an expert second opinion — I'm available for project-based and retainer engagements.