Senior Credit Risk Analyst: Data-Driven & Automation

Enity Bank Group; Stockholms kommun; On-site; SEK 762,000 - 912,000; Full time

Job summary

Enity Bank Group is seeking a Senior Credit Risk Analyst to drive data-driven credit decisioning across our Nordic markets. You will develop automated processes, apply advanced modelling techniques, and work closely with data engineers and risk teams to modernize underwriting while maintaining high credit quality.

Based in Sweden, you will influence regulatory compliance, contribute to IFRS 9 modelling (PD, LGD, EAD), and produce actionable insights for senior management and credit committees.

Qualifications

• Several years of experience in credit risk, quantitative modelling, or risk analytics within banking/finance.
• Proven track record in developing automated credit processes or data-driven decisioning.
• Strong understanding of Nordic credit regulations and risk frameworks.
• Expertise in quantitative analysis, IFRS 9 (ECL), and model performance.
• Academic degree in finance, economics, mathematics, statistics, data science or related field.
• Strong programming skills in Python, SQL, and/or SAS.
• Experience collaborating with stakeholders in a regulated environment.
• Excellent communication to present complex concepts.

Responsibilities

• Design and implement automated, data-driven credit decisioning.
• Support digitalisation and process optimisation initiatives.
• Apply statistical and machine learning techniques to improve model performance.
• Conduct data analyses using Python/SQL/SAS.
• Develop scoring models and IFRS 9 parameters (PD, LGD, EAD).
• Prepare decision materials for Nordic credit process.
• Ensure compliance with Nordic regulations and risk frameworks.
• Produce reports and actionable insights for senior management.
• Validate new models and rules before production.
• Document model design and validation outcomes for audits.

Skills

Credit risk

Quantitative modelling

Data analytics

Stakeholder management

Education

Bachelor's in finance

Tools

Python

SQL

SAS

Job description

Enity Bank Group is seeking a Senior Credit Risk Analyst to drive data-driven credit decisioning across our Nordic markets. You will develop automated processes, apply advanced modelling techniques, and work closely with data engineers and risk teams to modernize underwriting while maintaining high credit quality.

Based in Sweden, you will influence regulatory compliance, contribute to IFRS 9 modelling (PD, LGD, EAD), and produce actionable insights for senior management and credit committees.