Head of Credit Risk & Lending Growth

Sambla Group; Stockholms kommun; On-site; SEK 1,200,000 - 1,900,000; Full time

Benefits offered by this job

Strategic leadership

Leadership collaboration

AI culture

Job summary

Sambla Group in Sweden seeks a Chief Credit Officer to build and lead the credit function within our Credit & Deposits area. You will report to senior management and the Board, and oversee the Credit Committee to ensure risk levels align with appetite. The role can be Stockholm or Malmö.

You will shape a scalable, customer-focused credit framework, collaborate with external partners, and drive sustainable growth while fostering a strong credit culture and responsible lending practices.

Qualifications

• Academic background in economics, data science, statistics or a related field.
• At least 10 years of experience in a credit responsibility role, preferably with lending in car financing.
• Strong understanding of lending business and scalable, customer-focused credit solutions.
• Excellent communication in Swedish and English; ability to simplify complex topics.
• Proactive, change-oriented mindset; drive to improve processes.
• Genuine motivation to create and build something new with AI-driven approaches.

Responsibilities

• Ensure credit risk level aligns with defined risk appetite and supports business objectives.
• Report credit losses and risk indicators to senior management and the Board.
• Establish and maintain documentation, processes, and systems in credit risk.
• Manage external partners like credit bureaus and debt collectors.
• Chair and convene the Credit Committee and be a Bank Management Team member.
• Contribute to a positive culture of development, accountability, and collaboration.

Skills

Credit leadership

Swedish & English

Credit risk management

Strategic mindset

AI curiosity

Education

Economics / Data Science / Statistics

Tools

SQL

Credit risk systems

Job description

Sambla Group in Sweden seeks a Chief Credit Officer to build and lead the credit function within our Credit & Deposits area. You will report to senior management and the Board, and oversee the Credit Committee to ensure risk levels align with appetite. The role can be Stockholm or Malmö.

You will shape a scalable, customer-focused credit framework, collaborate with external partners, and drive sustainable growth while fostering a strong credit culture and responsible lending practices.