Credit Operations Analyst, Risk Operations

Betsson

The function of the Risk Shift Leader is to handle risk queries raised by any internal or external parties. The aim is to provide an experienced and hands on approach to Risk analyst escalations and functions whilst also offering an outstanding customer service experience by putting the customer first in every action and facilitate internal communications to relevant parties. KEY RESPONSIBILITIES: * Ensuring that internal procedures are up to date in accordance with any changes. * Ensure that the Bonus Abuse T&C’s are adequate in relation to the current bonuses available to enable Bonus Abuse to be stopped when detected and mitigate forms of Bonus Abuse from manifesting. * Detect and escalate fraud rings and patterns, involving but not limited to Credit card fraud, Chargebacks, Bank Fraud, Money Laundering, Identity theft, Affiliate Fraud and anything else that may cause harm to the business or operations in general and come up with solutions to stop it from happening again or catch it at an earlier stage. * Suggest and specify new reports to align Risk reports together with Bonus Abuse and Affiliate Fraud. * Provide training and inductions to all new starters within the team as well as training required for all new processes and procedures * Assist the management in providing adequate KPIs periodically. * Assist the management with other tasks as required from time to time REQUIREMENTS * Two years in risk/AML/bonus abuse team within Betsson or other igaming company * Leadership skills * Excellent written and communication skills What we offer We offer an exciting and rewarding role in a supportive and fast-paced environment. At Betsson, you’ll have the opportunity to grow and develop your career within the company. Join us and become part of a team that values innovation, collaboration, and personal development.

Klarna Bank AB

Senior Analyst What you will do As a Senior Analyst at Klarna, you provide analytical and business expertise to ensure we deliver value to customers, Klarna, and our investors. You act as a bridge between models, operations, products, and business decisions, building strategies that connect them across the organization. You play an important part in taking Klarna to the next level, working across sales lifecycle areas, financial planning, and stakeholder communication. You bring a "Swiss army knife" mindset, ready to move between problems and provide data-driven guidance wherever it is needed. Who you are - A degree from a university in a numerate subject, such as Economics, Science, Engineering, or Business - At least 5 years of analytical experience in retail banking, e-commerce, or payments, with knowledge of consumer lending in western countries preferred - Strong general knowledge of the sales lifecycle, with deep expertise in one area such as credit risk, product/UX, marketing analytics, accounting, pricing, or data - Experience supporting sales and marketing efforts, such as merchant sales strategies or campaign impact analysis - Financial analytics experience, including business planning, budgeting, forecasting, and KPI tracking - Strong communication skills, with the ability to engage external stakeholders; merchant-facing experience is a plus - Working proficiency and communication skills in verbal and written English Awesome to have - Strong attention to detail and experience using structured approaches to problem solving - Understanding of regional risk policies and risk profiles, with the ability to suggest or build merchant-specific policy adjustments - Significant drive and ambition - Strong conceptual ability - Familiarity with data extraction and manipulation, and programming languages such as SQL, R, Python, MatLab, Java, or C# Please include a CV in English Curious to learn more about Klarna and what it's like to work here? Explore our career site: https://www.klarna.com/careers/

Qred Bank AB

At Qred, we’re building the world's best bank for small businesses. Since launching 11 years ago, we’ve grown from startup to profitable fintech scale-up, now generating over 1 billion SEK in annual revenue and supporting 50,000+ entrepreneurs across Northern Europe. We combine smart technology, real data, and human judgment to make financing simple, fast, and fair. With bold growth plans and strong momentum across multiple markets, we’re now looking for a Senior Credit Analyst for the next phase of growth. About the Role You will own the data strategy that drives our pre-collections policies, third-party collections performance, and Non-Performing Loan (NPL) divestments. This mission bridges the gap between technical execution and business impact by moving beyond operational reporting to directly influence our Loss Given Default (LGD) metrics. You will have end-to-end ownership of the data ecosystem that maximizes portfolio recovery value in close collaboration with our Finance and Credit Policy teams. Key responsibilities Design and implement robust champion/challenger A/B testing frameworks to evaluate the recovery performance of third-party collection agencies. Analyze early-stage delinquency data to refine pre-collections policies and prevent roll-rates into deeper delinquency segments. Build quantitative data models to evaluate the pricing, segmentation, and optimal timing for NPL forward-flow and spot sales. Partner with the Credit Policy team to integrate downstream collections insights into automated early underwriting decisions. Establish standardized data exchange processes, governance frameworks, and performance KPIs with external collection parties and vendors. What we’re looking for We are looking for a data-driven specialist with a highly structured approach to optimizing financial systems. You have a proven ability to drive alignment across cross-functional teams and external vendors, translating complex analysis into actionable strategic narratives. You are motivated to build scalable frameworks that directly protect bottom-line performance in a fast-paced fintech environment. Qualifications Several years of experience working with credit risk, collections analytics, or portfolio management within Fintech or Banking. Expert-level technical capability in SQL for data mining and structuring complex datasets from scratch. Experience building automated data visualization dashboards, preferably using Amazon QuickSight, Tableau, or PowerBI. Background in analyzing financial metrics such as Loss Given Default (LGD) and NPL portfolio valuation. It’s a plus if you have experience with Python for predictive modeling, statistical analysis, and automating data pipelines. Why Qred? This is the place to be if you’re looking for a place to grow. Qred is growing fast, and our Qredsters along with it. With a non-bureaucratic organization and delegated responsibilities, we make sure there’s a short path from idea to action. In addition to our great culture, you get to work with the latest cutting-edge techniques, full ownership, and last but not least a bunch of great competent colleagues to learn from! One Last Thing This is a full-time, permanent position based in our headquarters in Stockholm. We believe our culture thrives when we work together, which is why we have an office-first approach. To balance this with some flexibility, we have the option of working remotely one day per week. We review applications on a rolling basis and while the start date is flexible, the right candidate can join us immediately. Qred celebrates diversity and does not discriminate based on ethnicity, religion, national origin, gender, sexual orientation, age, disability status, or any other applicable characteristics protected by law. #LI-Hybrid #LI-Remote #LI-Onsite