Tf.rådman (en eller flera)

ABOUT THE ROLE Avarda runs a portfolio of core banking platforms, internally developed and licensed, that support consumer lending, credit cards, deposits and payments across multiple European markets. These platforms manage customer accounts, product configuration, financial processing, servicing workflows and integrations with the wider banking ecosystem. In this role, you will own the product agenda for the domain, including roadmap, priorities and requirements. You will work closely with engineering teams and platform vendors to evolve the bank's core banking capabilities, ensuring they meet business, operational and regulatory needs while supporting growth across products and markets. WHAT YOU'LL DO * Own the roadmap and backlog for the Core Banking domain, covering a portfolio of internally developed and licensed platforms. * Prioritise and sequence delivery together with the IT teams responsible for core banking systems and integrations. * Own the product logic supporting customer accounts and product lifecycle management, including product configuration, interest calculation, fees, billing cycles, repayment hierarchies, servicing processes and account lifecycle events. * Drive the evolution of core banking capabilities across lending, cards, deposits and payments. * Work closely with payment and card-processing teams to ensure seamless integration between core banking platforms, payment rails and external partners. * Shape platform decisions in an "orchestrate, not rip-and-replace" strategy: which products run on which platforms, what should be migrated, and which capabilities should be exposed through orchestration and customer-facing channels. * Translate business, regulatory, operational and accounting requirements into scenario-based, testable product requirements with clear acceptance criteria and traceability from requirement to test. * Act as product counterpart to platform vendors, including scope definition, acceptance testing and release sign-off. * Partner with operations, finance, compliance, risk and engineering teams to ensure platforms remain scalable, compliant and fit for future growth. WHAT WE'RE LOOKING FOR * Experience as a Product Manager, Product Owner, Business Analyst, or similar role within banking or financial services. * Strong understanding of core banking processes, including customer accounts, product setup, interest and fee handling, billing, repayments, servicing and product lifecycle management. * Experience working with platforms that support consumer lending, credit cards, deposits or transactional banking products. * Working knowledge of payments and card processing, including SEPA payments, settlements, reconciliations and payment integrations. * Proven ability to write precise, testable requirements for complex financial and operational processes and to follow them through delivery and acceptance. * Experience with platform migrations, modernisation programmes, or system consolidation initiatives in a live banking environment. * Comfortable operating across business, engineering, operations, finance, risk and compliance in a regulated environment. STRONG PLUS * Hands-on experience with Corniche (Megasol), Mambu, Temenos, Thought Machine, Finastra, TCS BaNCS, FIS or similar core banking platforms. * Experience with consumer lending, deposits, cards, BNPL or multi-product banking environments. * Experience working with vendor-operated platforms, including SLA management, acceptance testing and release governance. WHAT WE OFFER * Full product ownership of a strategically important Core Banking domain at the centre of the bank's operations and future growth. * Close collaboration with experienced IT teams and short decision paths. * A funded and active platform agenda including migrations, modernisation initiatives and expansion into new products and markets. * Competitive salary and benefits, with hybrid working.

We are looking for a specialist who combines financial know-how with strong analytical skills to join our Core Ledger team. Our platform contain core ledger systems both fully developed internaly and developed and delivered by external suppliers. As an Interest & Product Logic Specialist, you will define and document the business rules behind interest, fees, and product configurations, and verify and test that what our internal- and external suppliers deliver matches our requirements and works correctly. A significant part of this role is providing hands-on internal support to colleagues across the business who have questions about interest, fees, and product behaviour — this is something all specialists in the team spend a lot of time on. Getting this right is essential — it directly affects how accurate and competitive our financial products are. You will join a small, close-knit team and have a great opportunity to make a direct impact early on and help shape it as it grows. KEY RESPONSIBILITIES * Define and document detailed requirements for interest calculation logic, accrual rules, and fee structures, to be delivered by external suppliers * Translate financial product requirements from business and product teams into precise specifications for our suppliers * Verify and test the product configuration delivered by suppliers, ensuring it behaves correctly for all financial instruments * Ensure the mathematical and financial correctness of calculation logic delivered, including edge cases and regulatory requirements * Collaborate with finance, compliance, and product teams to validate that supplier deliveries meet business intent * Support audit and regulatory reporting by ensuring calculation logic is transparent, traceable, and well-documented * Investigate and resolve discrepancies in interest calculations, fee postings, or product behaviour, working with suppliers when needed * Define and execute test cases for financial calculation logic, including boundary and regression tests * Provide hands-on internal support to other teams (finance, customer service, operations, and others) on questions about interest, fees, and product behaviour — this is a significant and ongoing part of the role QUALIFICATIONS AND EXPERIENCE Desired Skills * 4+ years of experience in a financial, analytical, audit (internal or external), or product role within financial services, lending, or payments * Strong understanding of interest calculation methodologies (e.g. effective interest rate, simple interest, compound interest, XIRR) * Experience writing detailed financial business rules and specifications for systems built by others, , or experience auditing and validating such systems * Solid grasp of product structures in consumer credit, BNPL, or instalment lending * Ability to work with complex financial specifications and verify that delivered systems implement them correctly Nice to Have * Experience conducting audits, controls, or reviews of financial systems, ideally related to interest or fee calculation * Knowledge of Nordic or European consumer credit regulation (e.g. Consumer Credit Directive) * Experience with configuration-driven financial product frameworks delivered by suppliers * Background in financial audit, actuarial science, quantitative finance, or financial mathematics * Familiarity with accounting principles as they relate to interest and fee recognition * Prior experience in internal audit, external audit (Big Four or other firms), or operational risk control functions Behaviours * Exceptional analytical rigour — comfortable with mathematical precision and financial logic * Service-minded and approachable — enjoys helping colleagues understand interest, fee, and product logic * Strong bridge-builder between finance/business language and supplier requirements * Thorough documenter — understands that correctness must be explainable and auditable * Curious and proactive in challenging assumptions and validating requirements * Collaborative, with an ability to work effectively with business stakeholders and external suppliers EDUCATION BSc or MSc in Computer Science, Software Engineering, Finance, Audit, or equivalent practical experience.Languages Fluent English is required for this role. Fluent Swedish is not a hard requirement, but is desirable as Swedish is the language spoken locally in the team and will make day-to-day collaboration easier. WHAT WE OFFER * A key role in building and shaping a modern, cloud-native core ledger platform * A collaborative, cross-functional team environment with short decision paths * Competitive salary and benefits package * Flexible working arrangements with hybrid options * Opportunities for professional development and continuous learning * A chance to make a real impact in the fintech space across the Nordic market * Modern office in central Borås with a strong team culture