Tero Haapiainen

Tero Haapiainen is a seasoned professional in credit risk management, currently serving as Senior Manager at UPM - The Biofore Company since May 2023. Previously, Tero held significant roles at Ikano Bank, including Head of Credit B2B and Head of Risk for Finland, where responsibilities encompassed credit risk management across multiple countries, development of risk processes, and local operational risk oversight. Tero's earlier experience includes positions as Senior Credit Analyst at Nordea and Corporate Analyst at Garantia Insurance, complemented by a Certified Credit Analyst degree from Aalto University and a Master of Social Sciences in Economics from the University of Helsinki.