Credit Risk Manager (f/m/d)

Solaris; Stockholms kommun; On-site; SEK 772,456 - 1,103,509; Full time

Benefits offered by this job

Competitive salary

Home office budget

Learning budget

Meal allowance

Deutschland ticket

Vacation days

Work abroad allowed

Job summary

Solaris is seeking an experienced Credit Underwriter to lead manual underwriting operations, refine credit transaction structures, and ensure compliance with internal and regulatory standards. You will support automatic underwriting criteria, drive portfolio reviews, and contribute to strategic projects within a dynamic risk team.

You will collaborate across functions, develop training for CRM and Solaris staff, and help launch new loan products while maintaining high standards of accuracy and

Qualifications

• A university degree, ideally with a focus on economics, business administration, banking or a comparable qualification.
• 3+ years of relevant work experience in credit risk management in a bank or financial institution.
• Experience of financial products with respect to credit loans, process setup and loan documentation processes, credit risk management and/or credit structuring.
• Experience in regulatory requirements for the respective focus area.
• It would be a great advantage if you gained experience in advanced Excel, Python, Tableau and/or HTML.
• You are fluent in English to engage with all international team members within the company. German communication skills are a strong advantage.

Responsibilities

• Define and refine the structure of complex credit transactions.
• Assess and approve credit transactions, ensuring compliance with OHB and external regulations.
• Maintain and optimize the credit approval process for efficiency and accuracy.
• Establish and maintain manual credit file management systems.
• Regularly review and update credit files to reflect risk profiles.
• Assist in setting and refining criteria for the Decision Engine (Automation).
• Align underwriting principles across manual and automated channels.
• Prepare regular qualitative credit portfolio reviews with action proposals.
• Execute ad-hoc assessments to mitigate emerging risks.
• Monitor dunning, workout, and collection activities to stay within risk standards.
• Close audit findings and lead training on underwriting principles.
• Drive project tasks including new loan product development.

Skills

English fluency

German language advantage

Stakeholder management

Change mindset

Education

University degree in economics / business / banking

Tools

Excel

Python

Tableau

HTML

Job description

Your Role

Manual Underwriting Operations

• Define and refine the structure of complex credit transactions.
• Assess and approve credit transactions, ensuring full compliance with the OHB (Operational Handbook) and external regulatory frameworks.
• Continuously perform, optimize, and maintain the credit approval process to enhance efficiency and accuracy.
• Establish and maintain manual credit file management systems.
• Conduct regular reviews and updates of credit files to reflect current risk profiles.

Automatic Underwriting & Logic

• Assist in setting and refining the technical criteria for the Decision Engine.
• Align the conceptual consistency of underwriting principles across both manual and automated channels.

Credit Portfolio Steering

• Prepare regular qualitative portfolio reviews accompanied by action proposals to maintain credit risk exposure within established risk appetite levels.
• Execute ad‑hoc assessments as required to mitigate emerging risks.
• Monitor partnership team activities specifically regarding dunning, workout, and collection actions to ensure alignment with risk standards.

Strategic Projects & Compliance

• Take responsibility for closing audit findings within the respective focus areas.
• Lead training initiatives for CRM and Solaris staff on core underwriting principles.
• Drive project‑related tasks, including the development and launch of new loan products.

We’d love to see

Depending on your level of experience, your responsibilities and scope of role will range. We don’t care much about fancy titles, but rather about real personal and professional development, as laid out in our learning framework. Let’s figure together out how you can contribute to our team.

• A university degree, ideally with a focus on economics, business administration, banking or a comparable qualification.
• 3+ years of relevant work experience in credit risk management in a bank or financial institution.
• Experience of financial products with respect to credit loans, process setup and loan documentation processes, credit risk management and/or credit structuring.
• Experience in regulatory requirements for the respective focus area.
• It would be a great advantage if you gained experience in advanced Excel, Python, Tableau and/or HTML.
• You are fluent in English to engage with all international team members within the company. German communication skills are a strong advantage.
• Hands‑on and “driving the change” mindset.
• Reliable, solution‑oriented, independent working method.
• Used to working under pressure / on tight deadlines.
• Stakeholder management for multiple tasks and good communication skills.
• Passionate about Credit and always want to improve “old fashioned” processes end‑to‑end with new approaches and technology.
• Comfortable working with AI tools, thinking critically about AI outputs, and contributing to a culture of responsible AI use. We expect you to demonstrate comfort with AI‑assisted workflows and a willingness to continuously develop their AI capabilities as the technology evolves.

What We Offer

• Competitive salary and a variable remuneration program.
• Home office budget.
• Learning & development budget of €1000 per year and a transparent growth framework to support your career goals.
• Monthly meal allowance.
• Deutschland ticket subsidy.
• 28 vacation days, increasing by 2 days after 2 years and 3 days after 3 years with Solaris.
• Opportunity to work abroad for up to 12 weeks per year.

While job ads usually paint an ideal picture of a candidate, studies show that most applicants meet an average of 60% of the criteria. Unfortunately, many promising candidates tend to apply only if they meet all the criteria. So if you think you have what it takes, but don’t necessarily meet every single item in the job description, please contact us anyway. We’d love to talk with you and find out if you might be a good fit for us.

At Solaris, we are committed to nurturing an inclusive environment, where all Solarians feel valued, respected and supported. We are dedicated to building a diverse workforce that reflects the diversity of our communities. We are committed to equal employment opportunity regardless of color, ethnicity, religion, sex, origin, disability, marital status, citizenship, or gender identity. We are proud to be an equal opportunity workplace. If you have a disability or special needs that requires accommodation, please