Credit risk · Capital · Governance
Making regulation work inside real banks.
Senior advisor with more than 30 years in Nordic banking — former CRO, KPMG partner and Basel II IRB program lead. Now partner in Imperion, leading credit risk, capital and reporting.
About
Banks rarely fail on knowledge. They fail on execution — when the policy says one thing and the credit file says another.
For most of my career I have worked where credit risk, capital and regulation meet: IRB models, IFRS 9, ICAAP, risk appetite, and making Basel rules work in daily operations. I have built risk departments from the ground up, sat in senior management teams, and acted as a trusted counterpart to boards, owners and supervisors.
My background is quantitative — PhD studies in quantitative finance at NHH, where I also lectured in interest rate models — but my work is practical: translating complex regulatory requirements into governance that is board-ready and actually used.
Imperion
Four specialists. One team. Work that closes Finanstilsynet's findings rather than describing them.
In autumn 2026 I co-founded Imperion, a network of senior specialists for Nordic financial institutions facing tilsynsrapporter, Pilar 2 decisions and SREP letters. Our focus is delivery: closing findings in credit, governance, compliance and AML — not producing another report about them.
Where I help
Credit risk & credit-file quality
Credit processes, scorecards, decision analytics and monitoring — including commercial real estate concentration and cash-flow modelling.
IFRS 9 & models
ECL models built, validated and governed. IRB from readiness assessment to supervisory approval.
Capital, ICAAP & Pilar 2
ICAAP writing and stress testing, Pilar 2 and SREP responses, COREP and CRR/CRD regulatory reporting.
Governance & risk functions
Risk appetite, BCBS 239 risk data aggregation, internal audit and building second-line functions that hold up under inspection.
Career
Imperion
Co-founder and partner
Founded in autumn 2026. Senior consulting network for GRC and regulatory remediation across Nordic financial institutions.
Atlas Shrugged Advisory AS
Managing Director
Senior governance, risk and compliance advisory for boards, owners and management of Nordic financial institutions.
Avida Finans, Stockholm
Head of Credit Risk & Analytics
Rebuilt the credit risk and analytics department to 14 people. New IFRS 9 models, scorecards and reporting engine built with the board and KKR-led owners; in-house decision engine, bad-debt sales, credit-card launch and acquisition of Santander Consumer's card and sales-finance portfolio.
Bank Norwegian
CRO, Senior Management Team
Joined as IFRS 9 program manager, then CRO. Built a 13-person risk function across data science, decision analytics and BI, serving all products in six countries, through the 2022 merger with Nordax.
KPMG
Partner, Head of Financial Risk Management
Responsible partner for banking and financial markets, analytics and RegTech, including internal audit engagements for several Norwegian banks.
Atlas Shrugged Advisory · Santander Consumer
Managing Director · Program manager
End-to-end Basel II IRB-A program through approval by Finanstilsynet and Bank of Spain, followed by the Nordic BCBS 239 risk data aggregation program. ICAAP, economic capital and scorecard validation for several banks.
Earlier career
Fairprice AG · Aker Fonds · Norse Securities · NHH
Capital models for brokerage houses, venture investments, derivatives and option pricing, and lecturing at NHH.
Education
PhD studies, NHH
Quantitative finance. Thesis on option pricing using neural networks and genetic algorithms.
BBA, NHH
Norwegian School of Economics. Additional studies in mathematics (University of Oslo) and international integration (University of Agder).
Languages
Norwegian and English (native), German (good).