Senior-level expertise in analytics, policy, risk management and data-driven decision making — helping financial institutions and businesses make better decisions.
Over a decade across banking, consumer finance, and fintech — applied now as independent consulting.
From raw data to decisions. I design and deliver ad-hoc and recurring analytics, build dashboards in Tableau and Power BI, and write production-grade SQL queries. Whether you need a one-off deep-dive or an ongoing reporting infrastructure, I deliver outputs that are clear and actionable.
Structured experimentation to drive better business outcomes. I design and analyse A/B tests across credit policies, scoring cutoffs, pricing strategies, and collection approaches — ensuring conclusions are statistically sound and operationally actionable, not just directionally interesting.
Ownership and delivery of IFRS impairment calculations, IRB reporting consolidation, and ESG reporting dataset preparation. I translate complex regulatory obligations into clear, manageable processes — so your team stays compliant without losing focus on performance.
Support for the development, validation, and review of credit scoring models — including dataset preparation for PD, LGD, CCF, and EAD models. I bridge the gap between data science teams and risk management, ensuring models are grounded in business reality and meet regulatory standards.
End-to-end credit and operational risk policy work — from designing underwriting frameworks and client scoring criteria to implementing policies across teams and systems. I don't just write the policy; I help embed it into day-to-day operations so it actually drives consistent, measurable outcomes.
Fraud detection framework design and operational risk controls, drawing on extensive prior experience across multiple markets and lending products. I work with credit bureau data, payment system data, and bank account data to build layered, robust defences tailored to your risk appetite.
Over a decade of hands-on experience spanning retail banking, consumer finance, and fintech — progressing from analyst through to senior portfolio management and risk transformation roles, with direct accountability for P&L outcomes across multiple markets simultaneously.
My work sits at the intersection of data, regulation, and commercial performance. I have built credit and fraud risk frameworks from the ground up, owned regulatory deliverables under IFRS and IRB requirements, and managed portfolios across vastly different lending environments. I am equally comfortable designing governance frameworks at a strategic level and getting into the data operationally — and I know when each is needed.
Educated at the Stockholm School of Economics in Riga (BSc in Business Administration), with a subsequent MSc in Environmental Economics & Management.
A free 1-hour call to understand your challenge, define the scope, and confirm we are the right fit. No commitment required.
→A clear written proposal covering the approach, timeline, and fixed or capped pricing. You know exactly what you are getting before work begins.
→Focused execution with regular check-ins, clean documentation, and a structured handover at completion. Delivered on time and ready to use.
Whether you need a full risk framework built, a data project delivered, or a senior second opinion — I'm available for project-based and retainer engagements. Reach out and we'll find the right fit.