Credit Operations Junior Specialist

Lunar Denmark; København; On-site; DKK 450,000 - 600,000; Full time

Benefits offered by this job

4 days in office

State-of-the-art equipment

Pension & health

Parental leave

Job summary

Lunar Denmark seeks a Credit Operations Junior Specialist in Copenhagen to proactively prevent overdrafts, support customers in the pre-collection journey, and help build Lunar's Nordic lending operations. You’ll work across finance, product, and tech to optimize processes and ensure smooth handovers to our collection partner.

The role expands with Lunar's 2026 lending rollout. You’ll join a team focused on ownership, daily operations, and high-quality customer interactions, collaborating with

Qualifications

• Our ideal candidate holds a Bachelor of Financial Management and Services or similar.
• Experience in lending is a plus and appreciated.
• You are structured and reliable in daily tasks.
• You are curious, proactive, and seek root-cause improvements.
• You communicate clearly with customers and colleagues.

Responsibilities

• Proactively identify and act on potential overdrafts before they occur.
• Handle all manual pre-collection tasks and communicate with customers.
• Manage handovers to the external collection partner accurately and on time.
• Serve as the link between Lunar and the collection partner during recovery.
• Collaborate daily with internal stakeholders as the credit expert.
• Monitor automated credit systems and flag anomalies for product/engineering.
• Collect feedback and help improve credit processes and automation.
• Review and process loan applications as Lunar expands lending in 2026.

Skills

Structured problem-solving

Proactive mindset

Clear written communication

Multi-tasking

Team collaboration

Education

Bachelor of Financial Management and Services

Job description

Banking hasn't changed much in decades. We're changing that. One product at a time.

Lunar is a Nordic challenger bank building the future of financial life with AI at the core. Our engineers, designers, and product people work on problems that actually matter. Making money simpler, smarter, and more rewarding for a million of registered users across the Nordics.

Fully licensed and founded in 2015, with offices in Copenhagen, Aarhus and Stockholm.

We move fast, we build with purpose, and we're just getting started.

As our new Credit Operations Junior Specialist, you'll join the Credit Operations team based in Copenhagen, working to proactively prevent overdrafts, support customers through the full pre-collection journey, and help build out Lunar's new lending operations across the Nordics.

The Credit Operations team sits at the heart of Lunar's financial operations and is based in Copenhagen. We work across all three Nordic markets to proactively prevent overdrafts, support customers through the full pre-collection journey, and ensure seamless handovers to our collection partner when needed. In 2026, we're expanding our scope to include loan applications - processing and assessing requests for Lunar's new lending products.

We are a team that takes ownership. We run smooth daily operations, continuously improve our processes in close collaboration with our tech teams, and hold ourselves to a high standard of quality in every customer interaction.

What will you do?

• Proactively identify and act on potential overdrafts before they escape

• Handle all manual pre-collection tasks and communication with customers

• Manage and monitor handovers of cases to our external collection partner accurately, on time, and in compliance

• Serve as the connecting link between Lunar and our collection partner throughout the recovery process

• Work closely with different internal stakeholders on a daily basis - you're the credit expert in the room, and people will come to you

• Monitor our automated credit systems and flag anomalies or optimisation opportunities to our product and engineering teams

• Collect feedback and contribute to the continuous improvement and automation of our credit processes

• Review and process loan applications as Lunar rolls out its new lending products across the Nordics in 2026

What are we looking for in you?

• We are looking for someone with a Bachelor of Financial Management and Services or a similar educational background. Experience within lending is a plus.

• You are structured and reliable - daily operational tasks get done properly, every time

• You are genuinely curious and proactive - you spot problems before they're raised and look for ways to fix them at the root

• You communicate clearly in writing, both internally and with customers

• You are comfortable working across multiple tasks and stakeholders in a fast-moving environment

• You thrive in a team where we lift together and hold each other to a high standard

Benefits and perks

• 4 days in the office. We're a team that builds together, thinks together, and moves together. Showing up is part of how we work.

• State of the art equipment. The newest computer, monitor, mouse, and keyboard. We want you to do your best work without anything slowing you down.

• Pension, health insurance, and enhanced parental leave. From your financial future to your family moments. We've got you covered.

Depending on the regulations in the country where you will be employed, we will ask to see or obtain information about your criminal record. Please note that our employment is conditional upon you not being registered in RKI (Ribers Kredit Information).

We welcome applications from candidates of all backgrounds. If you need any adjustments during the recruitment process, please let us know