Heading team of 21 FTEs responsible for Marginalen’s data engineering, analytics engineering, business intelligence, data science models, scorecards, IFRS 9 models, and analytics capabilities.Within first year, delivered initiatives with efficiency gains and annual cost reduction of more than 20% of team's annual budget.- New IFRS 9 ECL calculation in production use- New profitability model in production use- New pricing model in production use- New machine learning PD model in production- Migration of data warehouse to cloud SQL serverAnalytics accountabilities:- IFRS 9 PD, LGD, CCF, pre-payment models- IFRS 9 ECL calculation engine- Application scorecards- Behavioural scorecards- Pre-collection scorecards- Risk based pricing and win rate models- Profitability models- Machine learning modelsData accountabilities:- Cloud data warehouse & BI (Azure data lake, Azure data factory, DBT, Snowflake, Power BI)- On premise data warehouse & BI (SQL server, SSIS, SSRS)- Data governance, data catalogue- Data for real time AML monitoring, AML scoring, treasury, supervisory reporting (FINREP, COREP, MFI etc), accounting, risk appetite, loan loss provisioning, profitability monitoring and more.

Heading team of 3 FTEs delivering Marginalen’s scorecards, risk classification, IFRS 9 models, and analytics capabilities to optimise profitability, risk, and portfolio size. Setting the bank’s strategic priorities within model development, defining and implementing effective model governence, as well as driving hands-on deliverables enabling data driven risk based pricing.

Accountable to develop Nordea Group’s credit assessment and decisioning processes within the IRB retail segment, i.e. household and SME corporate segments. Setting strategic vision and priorities for value stream with 5m EUR annual IT budget. Continuous C-level deliverables and stakeholder management.

Co-heading cross Nordic team of 15 FTEs delivering Nordea’s strategic 1st and 2nd LoD credit risk change agenda to optimise operational efficiency and build supervisory trust. Key focus areas include people leadership to develop expertise and retain talent to deliver on Nordea’s change agenda, as well as establishing strategic priorities and operating model.

Team lead for 6 FTEs, ensuring prudent credit risk management and implementation of regulatory requirements through Nordea Group wide strategic transformation initiatives. Business owner for value stream with 2m EUR annual IT budget. Credit risk representative in multiple strategic steering committees. SME for supervisory and external audit deliveries of IFRS 9 impairment, forbearance, non-performing loans, definition of default, and RDARR.Group Business Risk Management COO, Credit Risk

Team lead for 6 FTEs, ensuring prudent credit risk management and implementation of regulatory requirements through Nordea Group wide strategic transformation initiatives. Business owner for value stream with 2m EUR annual IT budget. Credit risk representative in multiple strategic steering committees. SME for supervisory and external audit deliveries of IFRS 9 impairment, forbearance, non-performing loans, definition of default, and RDARR.Group Risk COO, Credit Risk Reporting & Controlling Development

Successfully implemented IFRS 9 principles from Nordea Group 2nd LoD credit risk control perspective. Representative within IFRS 9 operating steering group. Accountability as business architect to ensure all development of 2nd LoD credit risk reporting and controlling solutions, processes and data are in line with target state.Group Credit Risk & Control

Financial ServicesBusiness Development Team Lead & Solution Architect:- Lead for 4 on-shore resources within requirements analysis and solution design within group risk management unit at leading Nordic bank.- Solution architect for Teradata SL and SAP BusinessObjects universe within integration of strategic initiatives for RDARR compliance. - Successfully implemented new business development function, including change strategy, solution planning and business process design.Business Intelligence Off-Shore Team Lead:- Lead for 6 off-shore resources in plan, design, build, SIT, UAT and deployment of SAP BusinessObjects deliveries within credit risk control project at leading Nordic bank.- Main link between business stakeholders and off-shore team, including senior stakeholder management throughout delivery.Business Analyst:- End-to-end delivery driver within decommissioning project at leading Nordic bank.- Analysing and translating business requirements into functional and technical design in Teradata semantic layer and SAP BusinessObjects universe.

Group Capital- Designed and developed a Basel framework FIRB compliant economic capital model forsovereign credit risk exposures according to best practice.- Bottom line benefits include overall RWA reduction and significantly increased granularityof risk exposures, such as macroeconomic default indicators and sovereign-specific PD.

Operations- Maintenance of global import and export records, forecasting freights, as well as accountingand auditing invoices.- Delivered 75% efficiency increase in invoice processing time through VBA macro implementations.

Financial Control- OPEX and sales postings, balance sheet clearing, handling purchase orders, supplier invoicesand asset management at EMEA financial control function.

Corporate Finance- Market analysis compilation with an emphasis on OMXS enlisted corporations as well asinitializing business prospect relationships.