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.
- Credit risk
- Data analysis
- IFRS 9 / ECL
- Portfolio monitoring
- Python
- SQL
- dbt
- Power BI
Experience
Aug 2021 — Present · Stockholm
Credit Risk Analyst · PayEx
- Monitor and analyse credit portfolio performance across multiple products and country markets, delivering insights to the executive committee
- Track portfolio metrics including IFRS 9 staging and their correlation with performance trends
- Analyse and build understanding of end-consumer behaviour
- Build automated Python and SQL monitoring scripts for performance tracking and regulatory compliance
- Build graphical interfaces for analytical tools using Tkinter
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