Credit Trends 2025 - Finland
Global Forces, Local Impacts
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Daniel Harlid is a Vice President - Senior Credit Officer in the EMEA Corporate Finance Group based in Stockholm, Sweden. He is responsible for a portfolio of investment grade and sub-investment grade companies within the European container shipping sector as well as in the logistics industry. Additionally, he covers investment grade issuers in the Nordic manufacturing sector. Daniel joined Moody’s in 2017. Prior to this, he was a portfolio manager at Cicero Fonder managing funds with both investment grade and high yield mandates. Daniel started his career as an equity analyst for Handelsbanken Capital Markets.
Sarah has been the lead analyst for most countries in the European Union, and is also a former lead analyst for the United States. She is currently the lead analyst for France and Italy, among other European countries. She is also one of the Sovereign Risk Group’s global spokespeople.
She joined Moody’s in 2009 after completing a Sloan Fellowship at the London Business School. Prior to this academic sabbatical, she spent seven years at the Financial Services Authority in London where she headed the regulator’s Risk Analysis area and acted as its chief macroeconomist. Before joining the FSA, she worked in Dun & Bradstreet’s Economic Analysis Group for six years, where she was the organisation’s Deputy Chief Economist.
She holds an MA in European Studies (with a concentration in Economics and Finance) from the Elliott School of International Affairs at the George Washington University in Washington, DC and an AB with a double major in Government and History from Dartmouth College in Hanover, New Hampshire in the United States. She is a CFA Charterholder and is co-chair of the Macroeconomic Committee of the CFA Society France. She is a dual citizen of the United Kingdom and the United States and is based in Paris.
Mikael Wigell is Research Director at the Finnish Institute of International Affairs. He is an internationally recognized pioneer in geoeconomics research and an expert in hybrid threats analytics. He has held visiting fellowships at the University of Cambridge and Oxford University. He currently serves as Chairman of The Geoeconomics Society, Member of the World Economic Forum’s Expert Network, and External Geopolitical Advisor to Burson. He has led international research projects at the intersection of economics and geopolitics, funded by organizations such as the European Commission, NATO and the Nordic Council of Ministers. He has written reports and provided advice to organizations such as the Development Bank of Japan and the European Parliament, as well as the Government of Finland. He holds a PhD from the London School of Economics and the Title of Docent at Tampere University.
Colin Ellis is Moody’s first Global Credit Strategist, and a Managing Director in the Credit Strategy team.
In his current role, Colin provides thought leadership for the rating agency that deepens the understanding of ratings and debt capital markets through rigorous and quantitative research. He leads Moody’s teams working on default and ratings analytics and on global financial analysis, including bank projections and stress testing. Colin is also a member of Moody’s Macroeconomic Board, which sets the global forecasts that underpin Moody’s universe of ratings.
Colin joined Moody’s in February 2012, initially leading the work of the Macroeconomic Board and authoring the quarterly Global Macro Outlook. He subsequently worked in the Financial Institutions Group, developing quantitative forward-looking analyses. For 8 years he was the Chief Credit Officer for EMEA, leading analysis and coordination of credit and ratings across all rating franchises in the region. He was also the ‘Head of UK’ for Moody's Ratings, responsible for the running of Moody’s UK operations, from 2019-2022 including the COVID-19 pandemic.
Prior to joining Moody’s, Colin held roles at the Bank of England, Daiwa Capital Markets, the BVCA and at Birmingham University. He has published papers on a range of topics including corporate investment and pricing, credit risk, private equity, data uncertainty, stress testing, financial contagion and monetary policy. Colin holds degrees from York University, the London School of Economics and Political Science, and Middlesex University. He is a Visiting Professor at Hult International Business School and LSBU, and is also a Fellow of the RSA.
Eeva Sipilä is Finnish and born 1973. Her education is M.Sc (Econ.), CEFA and she has joined Metso in 2016 and have been member of the Leadership Team since 2020.
Work Experience: CFO and Deputy to the CEO, Metso Corporation 2023 -, CFO and Deputy to the CEO, Metso Outotec Corporation 2020-2023, CFO and Deputy to the CEO, Metso Corporation 2016-2020.
CFO, Cargotec Corporation 2008-2016, Senior Vice President, Investor Relations and Communications, Cargotec Corporation 2005-2008, Vice President, Investor Relations, Metso Corporation 2002-2005, Equity Analyst, Mandatum, Sampo-Leonia and Leonia Bank 1999-2002.
Her Positions of trust: Member of the Board, Neste Oyj from 2022 and Chair of the Audit Committee, Neste Oyj from 2023 and Member of the Supervisory Board, Varma from 2021.
Mikael Wigell is Research Director at the Finnish Institute of International Affairs. He is an internationally recognized pioneer in geoeconomics research and an expert in hybrid threats analytics. He has held visiting fellowships at the University of Cambridge and Oxford University. He currently serves as Chairman of The Geoeconomics Society, Member of the World Economic Forum’s Expert Network, and External Geopolitical Advisor to Burson. He has led international research projects at the intersection of economics and geopolitics, funded by organizations such as the European Commission, NATO and the Nordic Council of Ministers. He has written reports and provided advice to organizations such as the Development Bank of Japan and the European Parliament, as well as the Government of Finland. He holds a PhD from the London School of Economics and the Title of Docent at Tampere University.
Sarah has been the lead analyst for most countries in the European Union, and is also a former lead analyst for the United States. She is currently the lead analyst for France and Italy, among other European countries. She is also one of the Sovereign Risk Group’s global spokespeople.
She joined Moody’s in 2009 after completing a Sloan Fellowship at the London Business School. Prior to this academic sabbatical, she spent seven years at the Financial Services Authority in London where she headed the regulator’s Risk Analysis area and acted as its chief macroeconomist. Before joining the FSA, she worked in Dun & Bradstreet’s Economic Analysis Group for six years, where she was the organisation’s Deputy Chief Economist.
She holds an MA in European Studies (with a concentration in Economics and Finance) from the Elliott School of International Affairs at the George Washington University in Washington, DC and an AB with a double major in Government and History from Dartmouth College in Hanover, New Hampshire in the United States. She is a CFA Charterholder and is co-chair of the Macroeconomic Committee of the CFA Society France. She is a dual citizen of the United Kingdom and the United States and is based in Paris.
Daniel Harlid is a Vice President - Senior Credit Officer in the EMEA Corporate Finance Group based in Stockholm, Sweden. He is responsible for a portfolio of investment grade and sub-investment grade companies within the European container shipping sector as well as in the logistics industry. Additionally, he covers investment grade issuers in the Nordic manufacturing sector. Daniel joined Moody’s in 2017. Prior to this, he was a portfolio manager at Cicero Fonder managing funds with both investment grade and high yield mandates. Daniel started his career as an equity analyst for Handelsbanken Capital Markets.
Colin Ellis is Moody’s first Global Credit Strategist, and a Managing Director in the Credit Strategy team.
In his current role, Colin provides thought leadership for the rating agency that deepens the understanding of ratings and debt capital markets through rigorous and quantitative research. He leads Moody’s teams working on default and ratings analytics and on global financial analysis, including bank projections and stress testing. Colin is also a member of Moody’s Macroeconomic Board, which sets the global forecasts that underpin Moody’s universe of ratings.
Colin joined Moody’s in February 2012, initially leading the work of the Macroeconomic Board and authoring the quarterly Global Macro Outlook. He subsequently worked in the Financial Institutions Group, developing quantitative forward-looking analyses. For 8 years he was the Chief Credit Officer for EMEA, leading analysis and coordination of credit and ratings across all rating franchises in the region. He was also the ‘Head of UK’ for Moody's Ratings, responsible for the running of Moody’s UK operations, from 2019-2022 including the COVID-19 pandemic.
Prior to joining Moody’s, Colin held roles at the Bank of England, Daiwa Capital Markets, the BVCA and at Birmingham University. He has published papers on a range of topics including corporate investment and pricing, credit risk, private equity, data uncertainty, stress testing, financial contagion and monetary policy. Colin holds degrees from York University, the London School of Economics and Political Science, and Middlesex University. He is a Visiting Professor at Hult International Business School and LSBU, and is also a Fellow of the RSA.
Sarah currently works as Assistant Vice President in Moody’s Ratings Sustainable Finance Group, located in London. She is the Carbon Transition analytic lead and has expertise in analysing the credit impacts of the energy transition, low carbon technologies, climate policy, and the climate nature nexus. Her primary responsibilities include integrating carbon transition and other climate considerations into credit considerations and Moody’s Ratings ESG scores, authoring thought leading research, and overseeing Carbon Transition Indicators (CTIs). Sarah led the development of the CTIs, which are bottoms-up models which measure carbon transition exposure of some of the most exposed sectors. She has also regularly represents Moody’s Ratings as a speaker in events and webinars.
Prior to joining the team in 2019, Sarah served as a Ratings Associate in Moody’s Global Project and Infrastructure Finance Team in New York covering a diverse portfolio of project financings and municipal infrastructure issuers across the energy, transportation, and social infrastructure sectors. She holds a B.A. in Economics Oberlin College and an MSc in Economics and Policy of Energy and the Environment from UCL, where she studied energy modeling for her dissertation.
Daniel Harlid is a Vice President - Senior Credit Officer in the EMEA Corporate Finance Group based in Stockholm, Sweden. He is responsible for a portfolio of investment grade and sub-investment grade companies within the European container shipping sector as well as in the logistics industry. Additionally, he covers investment grade issuers in the Nordic manufacturing sector. Daniel joined Moody’s in 2017. Prior to this, he was a portfolio manager at Cicero Fonder managing funds with both investment grade and high yield mandates. Daniel started his career as an equity analyst for Handelsbanken Capital Markets.
Joona Widgrén is a Senior Economist at OP Group, where he has been since 2017. He closely monitors Finland's housing market and the broader Finnish economy. With a strong focus on economic trends and developments, he provides insights and analysis that enhance the understanding of the local economic landscape. His expertise in the Finnish market involves closely following and commenting on Finland's housing market, providing valuable perspectives on economic policies and market conditions.
| Maria Gillholm is a Vice President -Senior Credit Officer in the Corporate Finance team and has worked with Moody’s in Sweden since March 2017. She is the lead analyst for Nordic real estate issuers. Maria has 22 years experience of corporate credit ratings and financial analysis but overall 26 years of work experience. Before joining Moody’s, she was a Senior Credit Analyst at Swedbank, where she managed a Swedish/Finnish real estate portfolio of more than 20 companies. She has also held credit analyst positions at Standard & Poor’s, Danske Bank and Swedish Export Guarantees Board. Maria has covered several industries, but has predominantly dealt with companies in the real estate sector. She holds a Master of Science degree in Business Administration and Economics from Lunds University, Sweden. |
Paula Jouandet-Dahlen is a Vice President – Senior Analyst based in Stockholm and is the lead analyst for various banks in Denmark, Finland, Norway and Sweden. Paula joined Moody’s in April 2024 from AXA Investment Managers in Paris where she was Head of Credit Research, leading a team of credit analysts across Europe covering banks, corporate, sub-sovereign and agency issuers. Prior to AXA IM, Paula spent time at Fortis Investments and Barclays Capital. She holds an MBA from HEC Paris and a BSc in Business Administration and Economics from the University of Gothenburg.
Daniel Harlid is a Vice President - Senior Credit Officer in the EMEA Corporate Finance Group based in Stockholm, Sweden. He is responsible for a portfolio of investment grade and sub-investment grade companies within the European container shipping sector as well as in the logistics industry. Additionally, he covers investment grade issuers in the Nordic manufacturing sector. Daniel joined Moody’s in 2017. Prior to this, he was a portfolio manager at Cicero Fonder managing funds with both investment grade and high yield mandates. Daniel started his career as an equity analyst for Handelsbanken Capital Markets.