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Heikki Ropponen is the Team Lead of Credit Risk Assessment at OP Financial Group, overseeing a team of 14 credit risk managers. Heikki serves as the Chief Risk Officer in OP Helsinki, with overall responsibility for the bank's risk management process. Previously, Heikki held the position of Financial and Risk Director at OP Länsi-Uusimaa. With a background in various roles such as Risk Manager, Credit Analyst, and Customer Service Team Leader, Heikki brings a wealth of experience in finance, credit risk management, and operational risk management. Heikki holds degrees in Business Economics, Certified Credit Analysis, and Turnaround Management Consultancy, contributing to their expertise in the field.