Alex TouvrasAI & Data Systems LeadComplex problems
into decisions.
Data, AI, and delivery, in the space between a messy problem and a system a team can use.
Experience
7+
Languages
3
EN · FI · GR
Degrees
3
Background
Story & record
I started in credit and risk, where the consequences of a decision are tangible. Over time, that led me deeper into data, machine learning, technology delivery, and ultimately into the question I find most interesting:
How do you build intelligent systems that survive contact with the real world?
This site
Why Orbit
What the name means — and how it connects to the vision for this site.
An orbit is a stable relationship around a center. The center isn't the portfolio card or the latest post. It's the gravitational force that keeps the work from drifting: owned files in git, diagrams that stay with the code, automation that waits for a human Approve, and a commitment to evolve the way I build instead of chasing a prettier homepage. What orbits that center are the products I ship, the Blog essays, the Related signals, workshop projects, and field cards. They move on different schedules. They stay in range because the process at the middle holds.
Building Orbit — full case studyCareer
Experience
Nordic consumer finance, from credit analysis to technology delivery, plus earlier roles in Helsinki and Greece.
012022 – Now
Santander Consumer Bank Nordics
(official site)Finland / NordicsDelivery Lead (Technology Delivery)
Jan 2026 – Present
- Lead IT Application Operations for Azure and middleware services, turning complex initiatives into predictable, measurable delivery.
- Coordinate cross-team work across cloud platforms, DevOps, and IT operations with emphasis on flow, clarity, and outcomes.
- Apply data-driven approach to delivery decisions, dependencies, and operational metrics at team and leadership level.
Senior Risk Analyst
Sep 2023 – Jan 2026
- Developed and monitored PD models, scorecards, and expected credit loss (ECL) forecasts.
- Used Python, SQL, and Power BI (Fabric) to analyze trends, build dashboards, and automate reporting.
- Supported portfolio steering: emerging risk identification, customer segment evaluation, and credit engine requirement changes.
- Collaborated with Nordic and European stakeholders on risk alignment while adapting to Finnish market context and regulation.
- Mentored junior analysts and helped build in-house analytics capability from the ground up.
- Worked with finance, sales, and IT on projects to optimize decision strategies and portfolio performance.
Risk Analyst
Jul 2022 – Oct 2023
- Credit risk analysis and monitoring within Santander Nordics consumer finance portfolio.
- Cross-functional collaboration on risk processes, reporting, and portfolio insights.
022019 – 2022
Resurs Bank
(official site)Sweden / NordicsCredit Analyst
Aug 2019 – Jul 2022
- Credit assessment for new payment solution partners and B2B loans.
- Part of credit scorecard development team: cut-off setting and in-production monitoring.
- Development and testing of changes in credit engine platform (Provenir).
- Data analysis for Credit, Business, and Customer Service to optimize decision-making.
- Regular monitoring of risk KPIs.
- Modern Workplace Change Agent.
032019
Conscript (Kaartin Jääkäri)
Jan 2019 – Jun 2019
- Mandatory military service.
042016 – 2017
Office Administrator
Nov 2016 – Jun 2017
- Customer service, account management, and assessment of supplementary/preventive income support.
052015 – 2016
Intern
Sep 2015 – Mar 2016
- B2B/B2C customer service, currency exchange, and daily accounting procedures.
- Assessment of banks' currency withdrawals and deposits.
Academic
Education
Quantitative finance and big data analytics foundations.
MSc, Big Data Analytics
Thesis: An Analytics Process for Forecasting Expected Credit Losses for the Lifetime of Loans: auto loan portfolios
Machine learning methods in business environments; analytical service design.
Press for master's thesisMSc, Banking and International Finance
Thesis: Government bonds and credit risk: an assessment of diversification and a safe asset in the euro area
Quantitative finance, economics, financial accounting, and banking.
Press for master's thesisBachelor's in Economics
Toolkit
Skills
Credit risk, data analytics, and delivery operations.
Credit & Risk
Data & Analytics
Delivery & Operations
Multilingual
Languages
Continuous
Training & more
- Power BI Data Analyst training — Sulava, 2023
- ScanAgile 2026, Nordic agile conference, Helsinki (Agile Finland)
File
Download the CV
The same record, as a PDF.