Experience

Profit Consulting Oy

• Finland
• IT Services and IT Consulting
• 1 - 100 Employee

• Business Analyst

  • Aug 2022 - Present

  Risk and business advisory in OP Group regarding Credit Risk matters in Risk management and Business departments. Including GAP- analyses, planning, project management, impact assessments and execution. Successfully managed multiple essential development projects with tight schedule. Risk and business advisory in OP Group regarding Credit Risk matters in Risk management and Business departments. Including GAP- analyses, planning, project management, impact assessments and execution. Successfully managed multiple essential development projects with tight schedule.



Säästöpankkiryhmä

• Banking
• 400 - 500 Employee

• Risk Manager

  • May 2021 - Aug 2022

  - Internal reporting & presentations to management including risk reporting, financial reporting and adhoc reports & analyses- External reporting & presentations for auditors and FSA (Fiva)- Drafting & presenting groups credit risk position for S&P rating agency- Giving guidance for member banks managements - Creating new reportages and creating relevant key risk indicators that'll be monitored- Drafting instructions & educating personnel

• Risk Analyst

  • Mar 2020 - May 2021

  - Internal & external reporting (financial reporting and risk reporting)- Supporting member banks - Adhoc analysis of different portfolios and multiple impact analysis - Participation in key projects



Aktia

• Financial Services
• 500 - 600 Employee

• Risk Analyst

  • Sep 2019 - Mar 2020

  - Creating credit risk models - Internal risk reporting to management - Creating credit risk models - Internal risk reporting to management



S-Pankki

• Finland
• Banking
• 400 - 500 Employee

• Risk Analyst

  • Nov 2018 - Sep 2019

  • Maintaining and enchancing credit-, market-, & liquidity risk identification and measurement procedures (risk models). - Thorough understanding and ability to describe the principles of credit risk models - Risk model development for assessing credit, market and liquidity risks - Participation in the validation of credit risk models and evaluation of the need for model updates based on the validation - Monitoring functionality of the models and classification criteria used in the classification process and assesses their risk prediction capability - ensure the timeliness of the documentation of the classification process, criteria and changes to individual classification parameters• Participation in the production, analysis and development of risk reporting to management. Ensuring the accuracy and adequacy of the data with the risk report.• Participation in the production of financial statements and ie. the CAR-report• Analyzing changes and causalities in ECL calculation.• Participation in developing risk control activities and support to various business units in developing risk management procedures• Evaluating the appropriateness and adequacy of risk management tools and monitoring compliance with risk management principles, procedures and limits set by the Board of Directors• Monitoring regulatory changes, analyzing their impact on companys risk position Show less

• Risk Specialist

  • May 2016 - Feb 2019

  My job description as a Risk Specialist:- MFI data collection (RATI) monthly to Bank of Finland (Under ECB regulation)- Calculating banks liquidity coverage ratio (LCR) on a daily (& monthly) basis- Calculating Spread risk on a daily basis- Monthly risk reporting (in-house)- Financial reporting (FINREP) - Calculating currency risk - Corep AE reporting- Corep ALM reporting- COF-reporting- Anacredit reporting

• Credit Controller

  • Apr 2015 - May 2016

  My job as a Credit Controller includes following things: - Checking customer’s credit ratings with banks- Setting up the terms and conditions of a loan- Monitoring Visa-Cards and preventing card abuses- Timely and effective collection of all debts and customers payments- Negotiating re-payment plans- Maintaining contact with clients to ensure invoices are clear for payment- Resolving queries both internally and externally around outstanding invoices- Providing accounts information to internal departments- Controlling Visa Credit -payments and supervising usage Show less



Espoon kaupunki - Esbo stad - City of Espoo

• Finland
• Government Administration
• 700 & Above Employee

• Substitute Teacher

  • Aug 2013 - Aug 2014

  Substitute Teacher in different high schools in Southern Finland. Teaching a wide range of subjects, but mostly math, physics and sports. Substitute Teacher in different high schools in Southern Finland. Teaching a wide range of subjects, but mostly math, physics and sports.



SOK

• Finland
• Retail
• 700 & Above Employee

• Warehouse Worker

  • Aug 2013 - Jul 2014

  For one year I worked same time in this warehouse and as a substitute teacher. This job made me realize worthiness of money and what it is like to be at the bottom of the foodchain. Overall very eye-opening experience, but I quickly knew that I don't want to spend my life working in here. Going through this year made me very motivated to apply to Turku School of Economics. For one year I worked same time in this warehouse and as a substitute teacher. This job made me realize worthiness of money and what it is like to be at the bottom of the foodchain. Overall very eye-opening experience, but I quickly knew that I don't want to spend my life working in here. Going through this year made me very motivated to apply to Turku School of Economics.



Puolustusvoimat - Försvarsmakten - Finnish Defence Forces

• Finland
• Armed Forces
• 700 & Above Employee

• First Lieutenant

  • Jul 2012 - Jun 2013

  RUK 241 Pohjantähti Got my first experience of leadership here. We were trained by the soldiers of finnish army and lectured by some university professors. After taking this demanding education, I got my own team(approx. 30 people) and it was my responsibility to train the team in just six months. RUK 241 Pohjantähti Got my first experience of leadership here. We were trained by the soldiers of finnish army and lectured by some university professors. After taking this demanding education, I got my own team(approx. 30 people) and it was my responsibility to train the team in just six months.



Reippailuhalli Huimala

• Espoo, Finland

• Customer Service

  • Feb 2011 - Mar 2013

  During these two years I learned a lot about myself and got lot's of valuable experience in the field of customer service. 90% of the time it was dealing face-to-face with different kind of people. This job also improved my social skills. During these two years I learned a lot about myself and got lot's of valuable experience in the field of customer service. 90% of the time it was dealing face-to-face with different kind of people. This job also improved my social skills.