Lermo Pohlak

Lermo Pohlak is a seasoned professional in credit risk management with extensive experience in the banking sector, particularly at Swedbank Estonia and LuminorGroup. Currently serving as a Credit Framework Expert at Swedbank Estonia since October 2020, Lermo has a strong background in overseeing credit risk, developing credit frameworks, and facilitating business projects. Previous roles at LuminorGroup included Head of Credit Control, where responsibilities encompassed independent oversight of credit risk and portfolio assessments, and Senior Product Manager focused on corporate client credit product development. Lermo also led the Client Management Centre at Enterprise Estonia and held various positions at Swedbank Estonia, including Head of Credit Governance & Framework, contributing to the development of risk management policies and implementation of governance principles. Lermo's educational background includes studies at Estonian Business School and Pärnu Economy School.