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Background dossier

Alex TouvrasStill my name
on the check.

From PD models and scorecards to leading Azure application operations. A draft can arrive in seconds. The requirement and the check still have my name on them.

Experience

7+

Employers

5

Degrees

3

View experienceDownload CV
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Background

Story & record

Business problems → data → intelligent systems → delivery → outcomes. Financial services is the deepest domain so far — not the whole identity.

AI & Data Systems Lead with ~7 years in consumer finance and banking. Domain depth in PD models, scorecards, ECL forecasting, credit engines, and portfolio steering - used as an advantage, not a permanent label. Combines that background with data work (Python, SQL, Power BI / Fabric) and technology delivery across Azure platforms, middleware, and DevOps-aligned operations.

Vantaa, Finlanda.touvras@gmail.com

This site

Why Orbit

What the name means — and how it connects to the vision for this site.

An orbit is a stable relationship around a center. The center isn't the portfolio card or the latest post. It's the gravitational force that keeps the work from drifting: owned files in git, diagrams that stay with the code, automation that waits for a human Approve, and a commitment to evolve the way I build instead of chasing a prettier homepage. What orbits that center are the products I ship, the Blog essays, the Related signals, workshop projects, and field cards. They move on different schedules. They stay in range because the process at the middle holds.

Building Orbit — full case study

Career

Experience

Seven years across Nordic consumer finance — from credit analysis to technology delivery lead.

  1. 012022 – Now

    Santander Consumer Bank Nordics

    Finland / Nordics

    Delivery Lead (Technology Delivery)

    Jan 2026 – Present

    • Lead IT Application Operations for Azure and middleware services, turning complex initiatives into predictable, measurable delivery.
    • Coordinate cross-team work across cloud platforms, DevOps, and IT operations with emphasis on flow, clarity, and outcomes.
    • Apply a data-driven approach to delivery decisions, dependencies, and operational metrics at team and leadership level.

    Senior Risk Analyst

    Sep 2023 – Jan 2026

    • Developed and monitored PD models, scorecards, and expected credit loss (ECL) forecasts.
    • Used Python, SQL, and Power BI (Fabric) to analyze trends, build dashboards, and automate reporting.
    • Supported portfolio steering: emerging risk identification, customer segment evaluation, and credit engine requirement changes.
    • Collaborated with Nordic and European stakeholders on risk alignment while adapting to Finnish market context and regulation.
    • Mentored junior analysts and helped build in-house analytics capability from the ground up.

    Risk Analyst

    Jul 2022 – Oct 2023

    • Credit risk analysis and monitoring within the Santander Nordics consumer finance portfolio.
    • Cross-functional collaboration on risk processes, reporting, and portfolio insights.

  2. 022019 – 2022

    Resurs Bank

    Finland / Nordics

    Credit Analyst

    Aug 2019 – Jul 2022

    • Credit assessment for new payment solution partners and B2B loans.
    • Part of the credit scorecard development team: cut-off setting and in-production monitoring.
    • Development and testing of changes in the credit engine platform (Provenir).
    • Data analysis for Credit, Business, and Customer Service to optimize decision-making.
    • Regular monitoring of risk KPIs; Modern Workplace Change Agent.

  3. 032019

    Finnish Defence Forces

    Finland

    Conscript (Kaartin Jääkäri)

    Jan 2019 – Jun 2019

    • Mandatory military service.

  4. 042016 – 2017

    City of Helsinki — Social and Health Authority

    Helsinki, Finland

    Office Administrator

    Nov 2016 – Jun 2017

    • Customer service, account management, and assessment of supplementary/preventive income support.

  5. 052015 – 2016

    Bank of Greece

    Greece

    Intern

    Sep 2015 – Mar 2016

    • B2B/B2C customer service, currency exchange, and daily accounting procedures.
    • Assessment of banks' currency withdrawals and deposits.

Toolkit

Skills

Credit risk, data analytics, and delivery operations.

Credit & Risk

PD modelsScorecardsECL / IFRS 9 contextPortfolio steeringCredit engine (Provenir)Cut-off settingIn-production monitoring

Data & Analytics

PythonSQLSASStatisticsPower BI / Microsoft FabricDashboardsAutomationKPI monitoring

Delivery & Operations

Technology delivery leadAzure application operationsMiddlewareDevOps collaborationCross-functional coordinationRequirements management

Multilingual

Languages

English · ProfessionalFinnish · ProfessionalGreek · Native

Continuous

Training & more

  • Power BI Data Analyst training — Sulava, 2023
  • ScanAgile 2026 — Nordic agile conference, Helsinki (Agile Finland)