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Background dossier

Background & experience

Nordic banking, credit risk, and technology delivery

From PD models and portfolio steering to leading Azure application operations — with a growing focus on AI automation and agent systems.

Experience
7+
Employers
5
Degrees
3
View experienceDownload CV
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Background

Story & record

Credit risk roots, delivery leadership, and the quantitative tooling in between.

Credit risk and data professional with ~7 years in consumer finance and banking, now bridging into technology delivery and IT operations. Strong track record in PD models, scorecards, ECL forecasting, credit engine optimization, and portfolio steering. Combines quantitative risk expertise (Python, SQL, Power BI / Fabric) with cross-functional delivery experience across Azure platforms, middleware, and DevOps-aligned operations.

Vantaa, Finlanda.touvras@gmail.comDownload CV

Career

Experience

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

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.

Resurs Bank

Sweden / 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.

Finnish Defence Forces

Finland

Conscript (Kaartin Jääkäri)

Jan 2019 – Jun 2019

  • Mandatory military service.

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.

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.

Academic

Education

Quantitative finance and big data analytics foundations.

MSc, Big Data Analytics

2021–2024

Arcada University of Applied Sciences, Helsinki

Machine learning methods in business environments; analytical service design.

MSc, Banking and International Finance

2017–2019

University of Jyväskylä

Quantitative finance, economics, financial accounting, and banking.

Bachelor's in Economics

Athens University of Economics and Business (AUEB)

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)