Credit Risk Analyst: Data-Driven Lending & Growth

Nordiska; Stockholms kommun; On-site; SEK 600,000 - 800,000; Full time

Job summary

Nordiska is seeking a Credit Risk Analyst to shape lending strategies across consumer and corporate portfolios in the Nordics and Continental Europe. You will translate data insights and regulatory requirements into practical credit rules, working with Product Owners, Engineering and Data teams to monitor models and reporting.

Ideal candidates bring a degree in Economics/Statistics/Mathematics/Engineering and at least three years in credit risk, with experience in regulatory guidance and data

Qualifications

• A degree in Economics, Statistics, Mathematics, Engineering or a related field.
• At least 3 years of experience in credit risk or a related area within banking or another financing business.
• Experience translating regulatory requirements into credit policies, strategies or processes.
• Practical experience in data analysis and translating findings into actionable recommendations.
• Experience in consumer lending, particularly creditworthiness and affordability assessments, is an advantage, as is experience in corporate lending or credit strategies across multiple markets.
• Experience defining and implementing credit rules in automated decision processes, together with knowledge of SQL, Python, R or SAS, is an advantage.
• Experience with credit risk models and relevant frameworks, such as IFRS 9 or CRR/Basel, is an advantage.

Responsibilities

• Analyse internal and external data to identify credit risks and opportunities to improve lending strategies and processes.
• Translate regulatory requirements for consumer creditworthiness and affordability assessments into practical methods, credit rules and processes.
• Collaborate with Product Owners, Engineering, Data and Data Science on requirements, implementation and monitoring of changes, as well as reporting development.
• Support the monitoring of credit risk models and provide analysis for model improvements and validation.
• Contribute credit risk expertise to new product launches and expansion into new markets.

Skills

Analytical thinking

Data analysis

Communication

Stakeholder collaboration

Problem solving

Education

Economics

Statistics

Mathematics

Engineering

Tools

SQL

Python

R

SAS

Job description

Nordiska is seeking a Credit Risk Analyst to shape lending strategies across consumer and corporate portfolios in the Nordics and Continental Europe. You will translate data insights and regulatory requirements into practical credit rules, working with Product Owners, Engineering and Data teams to monitor models and reporting.

Ideal candidates bring a degree in Economics/Statistics/Mathematics/Engineering and at least three years in credit risk, with experience in regulatory guidance and data