Maria Kupa
Credit Risk Analyst · Stockholm
I am a credit risk professional with more than five years of experience in Nordic banking and financial services and an MSc in Economics. At PayEx, I monitor credit portfolio performance across consumer and business products, providing analysis to support risk assessment and executive decision-making.
I apply data analysis to assess credit risk, monitor portfolio performance and identify emerging risk trends. I analyse portfolio data and customer behaviour to assess changes in credit quality and communicate findings to credit committees and senior management.
Using Python, SQL, dbt and Power BI, I develop automated monitoring and reporting tools that strengthen controls and reduce manual work.
I thrive in fast-paced environments and enjoy learning across disciplines, from economics and credit risk to data and technology. I am currently exploring how AI can support credit risk analysis and automate routine reporting, while keeping analytical judgement and responsibility with the analyst. I share what I learn along the way in my blog—you can follow my AI learning journey in the latest posts alongside this introduction.
- Credit risk
- Data analysis
- IFRS 9 / ECL
- Portfolio monitoring
- Python
- SQL
- dbt
- Power BI
Latest posts
Experience
Aug 2021 — Present · Stockholm
Credit Risk Analyst · PayEx
- Monitor credit portfolio performance across contract financing, credit account and BNPL products in Sweden, Finland, Norway and Denmark, and report key risk trends to the executive committee
- Analyse customer behaviour and credit quality, with findings that changed credit policies and reduced credit losses
- Track IFRS 9 staging and ECL, and analyse how they relate to portfolio performance
- Work with finance, credit controllers and product teams to turn risk analysis into business decisions
- Automated portfolio monitoring and regulatory reporting with Python and SQL, and built internal analytics tools, reducing manual work
Feb 2019 — Dec 2021 · Stockholm
Corporate Actions · Avanza Bank
- Planned and executed a project that fully eliminated manual handling of customers' closed accounts
- Improved processes for reporting withholding tax to the competent tax authority
- Devised a process and designed templates for TRS reporting to the Swedish FSA
- Responsible for correct reporting of tax-advantaged accounts for customers residing abroad
- Operational management of rights issues, takeover bids, IPOs, redemptions and dividends
Education
MSc. Economics
Stockholm University
Studies
University of Victoria