11 months ago
StockholmOn-site11 months ago
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Bank at core, innovation at heart
Nordiska is a bank offering a complete range of financial services, allowing us to tailor solutions to each customer while simultaneously enabling them to gain access to advanced financial technology. Part of our offering is our Embedded platform, enabling enterprise partners across Europe to seamlessly integrate financial services – including saving, lending, and payments – into innovative product offerings. Additionally, we provide corporate and real estate financing, as well as sustainable savings with a government-backed deposit guarantee.
To meet future demands, we continuously scale our modern technology platform, expand partner integrations, and accelerate product innovation to help shape the future of financial services.
Working at Nordiska
Since our founding, we have been committed to driving innovation and creating meaningful impact. We work towards an ambitious vision and goals, backed up by our history of successfully delivering high-quality results and sustainable growth.
Historically and going forward, the people working at Nordiska are what enables our success. We balance our professional environment with an entrepreneurial mindset, always acting with honesty and responsibility, to build long-term trust among customers, partners and employees.
About the Role
As a Credit Risk Analyst at Nordiska, you will help develop credit strategies and processes that balance business objectives, sound risk management and responsible lending. Working within our Credit Risk department, you will translate data insights and regulatory requirements into practical improvements in lending decisions and credit processes. Your work will cover consumer and corporate lending across the Nordics and Continental Europe, for both new and existing customers.
In the role, you will:
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.
Your Professional Profile
We are looking for an analytical and structured credit risk professional who can connect detailed analysis with a broader business perspective. You take initiative, investigate complex questions and turn your findings into clear recommendations and practical improvements.
You communicate clearly, adapt your message to different stakeholders and collaborate effectively with colleagues across the bank. You are comfortable working where business needs, data and regulatory requirements meet.
We believe that you have:
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.
Application
If you’re looking to join a growth-driven environment that pairs innovation with profitability and reliability, welcome to Nordiska. We look forward to receiving your application.
We review and interview continuously, with background checks as part of the final stage of our process. For questions about the role and or more information, you are warmly welcome to contact Lydia Cezar at [email protected]