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Juha Klemola is an experienced Product Owner and Senior Credit Strategist at OP Financial Group, specializing in automated credit decisioning solutions for SMEs. They have a strong background in credit risk management and have previously held roles such as Credit Specialist at OP Corporate Bank and Finance Administrator at arvato Financial Solutions Nordics. Juha earned a Master of Science in Finance from the University of Vaasa, accompanied by studies in International Business at Kyung Hee University. Throughout their career, Juha has demonstrated a passion for leveraging data and AI to drive efficiency in digital lending.