Credit risk · Data · Applied AI
Portfolio Credit Risk Analyst at Sun Finance. Before that, four years at Luminor in performance analytics and mortgage operations. Studying for an MSc in Digital Strategy and AI Management at RSU.
Raivo Strods
Portfolio Credit Risk Analyst
Featured Work
Side projects, mostly built to solve a problem I had myself.
Approach
My background is business process management, and my day job is credit risk and portfolio analytics in consumer lending. That combination is what I build on: I look at how a process actually runs, where policy, data, and operations diverge, and what should be simplified or automated before anyone builds a tool for it.
AI is now part of that work: I use agent tools to get from a question to a documented answer faster, and I help colleagues do the same.
Mapping how work actually happens, then simplifying it before automating it.
Turning a stakeholder's question into requirements and success criteria a technical team can build against.
Replacing one-off extracts and manual Excel reporting with reusable workflows and dashboards.
Showing colleagues how to use AI for analysis and documentation, as the team's AI contact.
Current Focus
I monitor consumer loan portfolios: how loans move through delinquency buckets, roll rates, vintage curves and concentration. When lending rules change, I measure the impact before and after. I also help my team use AI tools in their daily analysis.
Before Sun Finance I spent four years at Luminor Bank: Customer Service performance analytics, workforce planning for the Latvian unit, and mortgage process automation. The CV has the full history.