Norway Credit Risk & Portfolio Analyst

Ikano Bank AB; Asker; Remote; NOK 750,000 - 900,000; Full time

Job summary

Ikano Bank AB in Norway is seeking a Credit Risk Analyst to monitor and analyse the Norwegian credit portfolio across origination, back book, and collections. You will track KPIs such as approval rates, PD mix, DPD, NPLs, and write-offs, and propose actions to optimise pricing, decision engines and collections.

You will collaborate with Credit, Commercial, Finance, Risk and Digital teams locally and centrally.

Qualifications

• 2+ years of experience in credit risk, analytics, portfolio management, or a related field.
• Experience with KPI monitoring, reporting, or analytical problem solving.
• Exposure to financial services or lending is preferred.

Responsibilities

• Monitor and analyze credit portfolio performance for the Norwegian market across the full lifecycle (origination, back book, and collections).
• Track and report key KPIs (e.g., approval rates, PD mix, DPD 1+, NPLs, write-offs, recoveries) and highlight deviations from targets.
• Support closed-loop portfolio steering by identifying performance signals and proposing corrective actions across decisioning, pricing, and treatment strategies.
• Perform detailed analyses on portfolio segments, customer behavior, and risk drivers to support optimization initiatives.
• Assist in the monitoring and optimization of credit decision engines, including rule performance tracking and testing support.
• Contribute to back-book performance management through early warning analysis and identification of risk trends.
• Support the refinement of collection strategies in collaboration with NPL and Operations teams.
• Prepare regular reports, dashboards, and presentations for internal stakeholders and governance forums.
• Collaborate with cross-functional stakeholders (e.g., Credit, Commercial, Finance, Risk, Digital) at both local and central level.
• Support ongoing projects and transformation initiatives, including automation, data improvements, and analytical enhancements.

Skills

SQL

Python

BI tools

English

Norwegian

Education

Bachelor's Degree

Job description

Ikano Bank AB in Norway is seeking a Credit Risk Analyst to monitor and analyse the Norwegian credit portfolio across origination, back book, and collections. You will track KPIs such as approval rates, PD mix, DPD, NPLs, and write-offs, and propose actions to optimise pricing, decision engines and collections.

You will collaborate with Credit, Commercial, Finance, Risk and Digital teams locally and centrally.