# Raivo Strods

Portfolio Credit Risk Analyst · Riga, Latvia
Email: raivo@raivo.app · Phone: +371 26472363 · Web: https://raivo.app · LinkedIn: https://www.linkedin.com/in/raivo-strods-b991ba130

Credit risk and process analyst in consumer lending. I design portfolio KPIs, automate recurring reporting from ERP data, and help my team use AI tools in daily analysis.

## Experience

### Portfolio Credit Risk Analyst, Sun Finance Group AS
02/2026 – Present · 9 months

- 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
10/2025 – 01/2026 · 4 months

- 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
12/2023 – 10/2025 · 1 year 11 months

- 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
07/2023 – 11/2023 · 5 months

- 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
11/2021 – 06/2023 · 1 year 8 months

- 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
05/2021 – 10/2021 · 6 months

- Assisted mortgage lending officers with application preparation, document verification, and client communications.
- Contributed to kickstarting a semi-automated mortgage lending initiative.

## Education

- Master's of Digital Strategy and Artificial Intelligence Management, Riga Stradins University, Riga, Latvia (2025 – Present)
- Bachelor's of Business Process Management, BA School of Business and Finance, Riga, Latvia (2021 – 2025)
- Erasmus Exchange, Universidad de Navarra, Pamplona, Spain (2022 – 2023)

## Certificates

- Google AI Professional Certificate, Coursera (10/2026), credential ID X11JH68O6ARA
- 5-Day AI Agents: Intensive Coding, Google, Kaggle
- Google AI Essentials, Coursera (08/2025), credential ID Z314SZPLVQAG
- Business data analysis and process automation with artificial intelligence, Rīgas Tehniskā universitāte (Riga Technical University) (10/2025), credential ID 02M00-17.4-e/313
- Investment Information Provider's Qualification, Baltic Financial Advisors Association (BFAA) (12/2021), credential ID 5663
- Product, company and team Agile management using digital tools, Biznesa augstskola Turība (07/2022), credential ID PA 0036963
- Banking Pro, Luminor Bank AS
- Tableau For Data Science, Udemy
- The Ultimate MySQL Bootcamp, Udemy

## Skills

- Process & Analysis: Process analysis, Requirements gathering, KPI design, Performance analysis, Stakeholder translation, Reporting automation, Management decision support
- Microsoft Suite: Power BI, Power Query, Excel/VBA, Power Automate, Copilot
- Operational & Data Stack: SQL, Jira, Confluence, SAP CRM / SAP CC, Tableau, KNIME, Alteryx, Python, R
- AI & Modern Tools: Daily AI assisted analysis and documentation (Cursor, Claude)

## Languages

- Latvian: Native
- English: C2
- Spanish: A2
- Russian: A1