Raivo Strods portrait

Raivo Strods

Portfolio Credit Risk Analyst

  • SQL
  • Python
  • R
  • Alteryx
  • KNIME
  • Tableau
  • Power BI

Credit risk · Data · Applied AI

Hey, I'm Raivo. I bring credit risk depth, portfolio data, and practical AI together.

Day-to-day, I monitor portfolio credit risk across consumer lending products and champion AI adoption across my team. I focus on bridging the gap between business questions and technical execution: finding where policy and operations diverge, building explainable AI tools, and turning manual reporting into automation that sticks.

Currently Portfolio Credit Risk Analyst and AI champion at Sun Finance, studying an MSc in Digital Strategy and AI Management.

AI & Automation workView CVGet in touch
5Years in banking
and lending
4Consumer lending
products analysed
3Baltic units
reported on

Featured Work

Things I have built

Live automation tools, decision explainability systems, and real estate market intelligence engines.

Approach

Business process management, applied to credit risk

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.

I now push that work towards AI: coaching colleagues on AI-assisted analysis and documentation, and using agent tooling myself to shorten the path from question to documented answer.

Current Focus

Portfolio credit risk & AI adoption at Sun Finance

Portfolio Credit Risk Analyst

Sun Finance Group · 02/2026 to Present

Monitor portfolio credit risk across active markets: delinquency progression through DPD buckets, roll rates, vintage performance, and exposure concentration, with early warning indicators feeding Hub Credit Risk reviews. Analyse end-to-end lending processes (issuance, limit freeze, cross-product open loan checks, identity and blocklist controls) across four products to find where policy, data, and operations diverge, and support rule changes with impact analysis and post-change tracking. Team AI champion.

Looking for my prior banking experience, education & credentials?

Prior to Sun Finance, I spent over 3 years at Luminor Bank driving Customer Service performance analytics, Baltic unit workforce planning, and mortgage RPA workflows. Explore my complete 6-stage career trajectory, MSc degree, and 9 verified certifications including RTU process automation with AI.

View Complete CV →