Minna Kaarto

Minna Kaarto is an experienced professional in credit risk management and digitalization. Currently serving as the Chief Digitalization Officer at Finnvera Oyj since June 2019, Kaarto previously held significant roles at UPM - The Biofore Company from August 2015 to June 2019, including Manager and Global Credit Process Owner where leadership of a talented Credit Analyst team was a key responsibility. Kaarto was also involved in the strategic development of an automated credit risk assessment tool and overseeing credit management processes. Prior to UPM, experience included various credit-related positions at Fortum, starting as a Credit Analyst and progressing to Corporate Credit Controller. Additional roles at Componenta Oyj, Energy Market Authority, Nordea Finance, and Vaisala Oyj complemented formal education, culminating in a Master’s degree in Industrial Management from LUT University and a Bachelor’s degree in Information Technology from Helsingin Ammattikorkeakoulu Stadia.