Credit Risk Analyst

0to9 AB (publ); Stockholms kommun; On-site; SEK 500,000 - 700,000; Full time

Benefits offered by this job

Opportunities for growth

Close interaction with leadership

Impact on personal finance for customers

Job summary

0to9 AB (publ) is seeking a Credit Analyst to influence the credit lifecycle and support growth across Europe. You'll collaborate with the Chief Credit Officer on credit strategies, perform market analyses, and prepare key reports.

The ideal candidate has 2-5 years of experience in consulting, banking, or fintech, and a strong analytical background. This role offers hands-on opportunities in a fast-paced environment with significant growth potential.

Qualifications

• 2-5 years of work experience in consulting, banking, or fintech.
• Experience with data analysis tools and methodologies.
• Full professional proficiency in English.

Responsibilities

• Conduct market and business analysis for European markets.
• Prepare reports and decision materials for leadership.
• Monitor credit losses and key portfolio KPIs.

Skills

Analytical skills

Business acumen

Data analysis

Market analysis

Education

University degree in a quantitative/technical field

Job description

About Plus1

Plus1 is a fast-growing fintech company with a clear mission: helping people gain better control over their personal finances. Through digital solutions, personal advice, and a strong customer focus, we provide safe and value‑creating support to consumers.

About the role

As a Credit Analyst at Plus1, you will have a unique opportunity to work across the full credit lifecycle and directly influence how we grow. You will work closely with our Chief Credit Officer (CCRO) on business, credit and portfolio questions. The role suits someone who wants to take real accountability, grow with the role over time and be involved in making data‑driven business decisions in a fast‑scaling environment. You will be part of a high‑growth journey, with rapid expansion in Europe and strong opportunities to grow with the company.

What you will work on

Your responsibilities will include, among other things:

• Market and business analysis for new and existing European markets.
• Analysis of portfolio performance and translation of insights into recommendations.
• Preparation of regular reports and decision material for the CCO and leadership.
• Financial analysis of unit economics and profitability for credit products.
• Monitoring of credit losses, provisioning (including IFRS 9), and key portfolio KPIs.
• Working with the credit modelling team across the full credit lifecycle.
• Ensuring compliance and proper governance of credit processes and documentation in line with local regulations.

You will also work hands‑on with:

• Analysis and development of strategies for consumer lending.
• Pricing and profitability analysis.
• IFRS‑related topics within the credit area.
• Data‑driven analysis to extract insights.
• Process optimisation and business development across the full flow – from initial application to potential collections.

Who you are

You are analytically strong, curious and business minded. You enjoy a dynamic, fast‑paced environment and are comfortable taking ownership of your areas. You like to get things done, but also to step back and see the bigger picture, and you are motivated by working with complex questions in an entrepreneurial setting.

We believe you have

• A university degree, preferably in Industrial Engineering and Management, Economics, Finance, Statistics, or a similar quantitative/technical field.
• 2‑5 years of work experience, preferably from consulting, banking, or fintech.
• Experience and interest in working hands‑on with data and analysis.
• Full professional proficiency in English (Swedish is a plus but not a requirement).

You take personal accountability, are comfortable working independently, and want to grow into a broader responsibility – including the potential to lead a team over time.

Why Plus1?

• We are growing fast. There is no ceiling on how far you can go if you deliver.
• You work close to decision‑making, with short paths from analysis to action.
• You will be part of a journey where we scale our product and credit operations across Europe.
• You actually make a difference – we have already helped customers save significant amounts on their personal finances.

Interested? We hire continuously, so don’t wait. Send in your application and tell us why you’re the right person for the role.