Curriculum Vitae
Raivo Strods
Portfolio Credit Risk Analyst
Experience
Professional Experience
Portfolio Credit Risk Analyst
Sun Finance Group AS- Analyse end-to-end consumer lending processes; identify where policy, data, and operations diverge and specify the process change.
- Define and maintain portfolio KPIs for credit risk reviews.
- Translate stakeholder questions into documented requirements, assumptions, and success criteria; turn recurring monitoring into reusable workflows instead of one-off extracts.
- Support lending rule changes with impact analysis and post-change tracking for risk management.
- Act as the team's AI champion and one of the department champions; coach colleagues on AI-assisted analysis and documentation to improve day-to-day AI readiness.
Business Data Analyst
Sun Finance Group AS- Developed and maintained Alteryx workflows and views for assigned lending products, turning ERP tables into recurring extracts that feed Tableau portfolio KPIs and suit business needs.
- Designed first portfolio snapshot view for a new POS phone financing product from operational ERP tables (loans, agent applications, devices, and stores), because the product had no existing reporting layer.
- Documented source-to-KPI logic so a new consumer finance product could be monitored on the same portfolio views as the rest of the book; later risk and performance reporting reused that layer.
Performance Analyst
Luminor Bank AS Latvia branch- Designed Customer Service performance dashboards and migrated recurring Excel reporting to automated Power BI.
- Developed and monitored KPI frameworks aligned to operational targets; delivered weekly-to-annual reviews to senior management.
- Supported Customer Service teams on staff-utilisation effectiveness to sustain operational results.
- Gathered business requirements and created guidelines and templates for Customer Service so reporting and operations stayed aligned.
Project Coordinator
Luminor Bank AS Latvia branch- Planned workforce resources and performance for the Latvian unit of roughly 70 front-line employees.
- Delivered the best overall efficiency, quality, and sales results among Luminor's three Baltic units through resource planning and process improvements.
- Coordinated cross-functional work with Customer Service teams and communication-system projects.
Mortgage Lending Assistant
Luminor Bank AS Latvia branch- Analysed the sales-opportunity handling process and supported process-improvement work in mortgage lending.
- Authored screening manuals to standardise mortgage applicant processing.
- Supported RPA continuity in mortgage lending and maintained uninterrupted workflow of screening robots.
- Assisted mortgage lending advisors and communicated with mortgage/consumer lending customers and investor platform.
Intern in Mortgage Lending
Luminor Bank AS Latvia branch- Assisted mortgage lending officers with application preparation, document verification, and client communications.
- Contributed to kickstarting a semi-automated mortgage lending initiative.