Sökresultat för "Credit Analysis"

0to9 AB (publ)

About Flow & Partners Flow & Partners is a specialized financial partner helping businesses optimize their working capital. We don't just provide "off-the-shelf" loans; we structure complex financing solutions, primarily through large-scale invoice discounting and factoring, to help our clients scale. The Role We are looking for a self-driven Account Manager with a deep understanding of the German B2B financial landscape. This is an end-to-end role where you own the entire lifecycle of a deal. You aren't just a "salesperson", you are a credit-savvy professional who can identify a lead, analyze their risk, and structure a deal that sticks. Your core responsibilities include: End-to-End Deal Flow: Managing the full process from initial prospecting and networking to closing. Credit Analysis & Structuring: Evaluating financial statements, understanding debt structures, and performing rigorous credit analysis. Writing Credit Memos: Crafting professional, data-driven credit memos for internal or partner approval. Strategic Sales: Building long-term relationships with large corporate clients requiring factoring or invoice financing. Who You Are We are open to different levels of seniority, but the "floor" is that you must be self-going. You likely come from a background in Large Corp Invoice Financing (Factoring) or a similar banking environment. Required Qualifications: You have previously managed the full sales and credit cycle in a B2B financial context. You have a strong ability to perform credit assessments and write structured credit reports. You are comfortable with prospecting and "hunting" for new business, but you have the analytical depth to see the deal through to the end. Deep understanding of the German factoring and debt market. Fluency in German and English is a requirement. Why Flow & Partners? We trust your expertise. You will have a high degree of freedom to manage your pipeline. You will be a key player in our German expansion, working with high-volume deals that move the needle. Join a team that speaks your language: finance, credit, and growth!

Clevry Sweden AB

About the Role We are currently supporting our client in the search for a Mid-level Operation Management Assistant to join our their team in Stockholm (Kista). This is an excellent opportunity for someone with a solid background in finance and business operations who is looking to work in an international environment where financial analysis, commercial support, and project finance play a central role. As a Mid-level Operation Management Assistant, you will support business management activities by providing financial insights, analyzing business performance, supporting commercial negotiations, and contributing to project financial management. The role requires strong analytical skills, business understanding, and the ability to collaborate with multiple stakeholders across the organization. Key Responsibilities Business Analysis & Management Support Support business management activities by collecting, organizing, and analyzing financial and business data. Assist with industry research, market analysis, and the preparation of business reports and management presentations. Identify potential business risks and opportunities and provide initial recommendations to support decision-making. Contribute to the delivery of high-quality analysis within agreed timelines. Financial Analysis & Business Performance Analyze company financial statements and business performance to provide actionable financial insights. Perform profitability analysis, variance analysis, budgeting support, and financial forecasting. Monitor financial performance and support management with reporting and decision-making materials. Prepare financial reports and presentations using Excel, PowerPoint, and other Office applications. Project Finance Management Support financial management throughout the project lifecycle. Track project budgets, revenues, costs, profitability, and cash flow. Follow up on billing, invoicing, collections, and payment status. Assist in identifying and mitigating financial risks related to projects. Commercial & Financial Support Support customer negotiations regarding finance-related commercial terms. Assist in reviewing and coordinating payment terms, credit terms, guarantees, invoicing arrangements, and collection processes. Collaborate closely with Sales, Delivery, Legal, Accounting, Credit, and Management teams to ensure commercially sound financial agreements. Provide financial input to support commercial decision-making. Qualifications & Requirements Bachelor's degree or higher in Finance, Accounting, Business Administration, Economics, Management, or a related field. Solid knowledge of financial accounting, management accounting, budgeting, forecasting, and financial statement analysis. Strong understanding of project finance management, including budgeting, profitability, revenue recognition, cost control, billing, collections, and financial risk management. Good understanding of commercial business terms, including payment terms, credit terms, guarantees, invoicing, and collection processes. Excellent proficiency in Microsoft Excel, PowerPoint, and other Microsoft Office applications. Skills & Competencies Strong financial analysis and analytical problem-solving skills. Excellent business understanding and the ability to interpret financial data in a commercial context. Ability to identify risks, opportunities, and provide practical recommendations. Strong communication and stakeholder management skills. Ability to coordinate work across multiple departments and functions. Structured, detail-oriented, and capable of managing multiple priorities simultaneously. Proactive mindset with a high level of ownership and execution capability. Preferred Experience Previous experience in financial analysis, FP&A, business finance, management accounting, finance business partnering, or project finance. Experience supporting project management, budget tracking, profitability analysis, billing, collections, or financial risk management. Experience supporting customer negotiations involving finance-related commercial terms is considered an advantage. Experience from ICT, energy, engineering projects, B2B business, or project-based organizations is highly preferred. Language Requirements Fluent English is mandatory. Fluent Chinese is mandatory. Work Authorization You must have a valid legal right to work in Sweden at the time of application (e.g., EU citizenship or a valid work permit/visa). Additional Information This is a full-time, on-site position based at our client's office in Stockholm. The intended start date for the assignment is as soon as possible. This is expected to be a long-term consulting assignment with the possibility of extension. The role is offered as a consultancy assignment through Clevry, meaning you will be employed by Clevry while working on assignment with our client. You will receive more detailed information about the company during an initial conversation with one of our recruiters. What we can already share is that our client is a large international organization operating in a fast-paced and multicultural environment, offering excellent opportunities for professional development and long-term growth. This role offers the opportunity to work closely with business leaders and cross-functional teams while developing expertise in financial analysis, project finance, and commercial business management. Recruitment Process The recruitment process is initially managed by Clevry. If your profile is considered a strong match for the role, one of our recruiters will contact you for an initial phone screening. Following this, our client will take over the interview process. As part of this process, our client will conduct a background check on the final candidate. We apply continuous selection, and the position may be filled before the application deadline. We warmly welcome your application already today! Please note! We only accept applications submitted through our platform and will not respond to applications sent via email. About Clevry For over 30 years we have been the change maker for a more soft skills driven work-life within talent acquisition, assessments and advisory. We operate globally with customers, consultants and candidates from North America to Singapore with headquarters in Brighton, Stockholm and Helsinki. At Clevry we have over 150 soft skills certified recruiters, business psychologists and experts at your service. Follow us on LinkedIn: Clevry Sweden

Avaron AB

About the Company At Avaron, you get the security of permanent employment combined with the variety of working at different customers. We place specialists across everything from tech, IT and industry to project management and business support – and whatever the assignment, you have a consultant manager who is there for you and your development. About the Role You will join a banking environment in the middle of a major change to its regulatory reporting landscape. The current reporting infrastructure is being replaced by a common and harmonized data layer that will automatically feed COREP reports through the BIRD data model. In this role, you will support UAT and the parallel run of the new solution, with a strong focus on validating data and helping the business confirm that the target solution works as intended. It is a strong fit for you if you enjoy combining data analysis, testing, and regulatory understanding in a complex domain where quality matters. Job DescriptionYou will support user acceptance testing of the implemented reporting solution. You will validate data flows and reported outcomes in the target regulatory reporting landscape. You will work hands-on with SQL to analyse data, investigate discrepancies, and support test execution. You will contribute to the parallel run by comparing outputs and helping confirm that the new solution performs as expected. You will collaborate with stakeholders involved in capital and regulatory reporting to support functional testing. You will help translate credit risk data into meaningful test scenarios and findings. RequirementsExperience with SQL. Experience with Python and/or R. Understanding of credit risk data. Ability to support detailed UAT and functional testing in a regulatory reporting context. Fluent English. Nice to haveAbility to present clearly to senior management. What We OfferPermanent employment at Avaron AB Occupational pension Wellness allowance of SEK 5,000 per year Application Selections are made on an ongoing basis – apply as soon as you can.

ACADEMIC WORK SWEDEN AB

We are now looking for five analytical and business-oriented Business Analysts / Functional Test Analysts to join a large regulatory initiative impacting Group Finance at one of the major Nordic banks. The role focuses on regulatory reporting, harmonisation of data definitions, and business validation, where understanding business rules and end-to-end flows is key. About the role In this role, you will work close to the business in a large-scale initiative aimed at centralising the bank’s data infrastructure for regulatory reporting.The focus is not on technical migration, but on ensuring that financial and regulatory data is correct, harmonised, and aligned with business definitions and reporting requirements. You will act as a bridge between business and IT, validating data and functionality from a business and regulatory perspective, supporting UAT activities, and ensuring high quality ahead of critical go-live phases. The assignment starts 3rd of august and runs until the end of december 2026, with a possibility of extension. You are offered A role with high business impact within Group Finance and regulatory reporting An assignment in a critical and visible transformation initiative Long-term potential with possibility of extension A dedicated Consultant Manager from Academic Work to support you throughout the assignment Work tasks You will work with functional analysis, business validation, and UAT testing in close collaboration with Finance, Risk, and IT stakeholders. Analyse and understand business and regulatory reporting requirements Validate business rules, data attributes, and financial definitions Design and execute UAT test scenarios based on end-to-end business flows Ensure data quality and correctness from a business and compliance perspective Collaborate with stakeholders across Group Finance, Risk and IT Use SQL to support data validation, analysis, and root-cause investigations Document findings and support go-live readiness We are looking for Experience as a Business Analyst, Functional Analyst, Test Analyst, or similar hybrid role Strong understanding of business processes, functional flows, and regulatory requirements Experience with UAT testing and business validation Ability to translate business requirements into test scenarios and validation logic Good SQL skills for data analysis and validation Fluent in English, spoken and written It is meritorious if you have Experience from banking, finance, regulatory reporting or Group Finance Experience working in regulated environments Experience with data governance, data quality, or attribute definitions Knowledge of tools such as Snowflake, Power BI, or similar Knowledge of R or Python To succeed in the role, your personal skills are: Change oriented Goal oriented Stable Responsible In this process, you will be required to do a background check, including a police record and credit check. Our recruitment process This recruitment process is handled by Academic Work and it is our client’s wish that all questions regarding the position is directed to Academic Work. Our selection process is continuous and the advert may close before the recruitment process is completed if we have moved forward to the next phase. The process includes two tests: one personality test and one cognitive test. The tests are tools to find the right talent for the right position, to enable equality, diversity, and a fair process.

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/

VOLVO BUSINESS SERVICES AKTIEBOLAG

Company description: "Founded in 1927, the Volvo Group is committed to driving prosperity and shaping the future landscape through sustainable transport, mobility, and infrastructure solutions. By offering trucks, buses, construction equipment, power solutions for marine and industrial applications, financing and services that increase our customers’ uptime and productivity. Our headquarters are in Gothenburg, Sweden. Volvo Group shares are listed on Nasdaq Stockholm." Job description:Transport is at the core of modern society. Imagine using your expertise to shape sustainable transport and infrastructure solutions for the future. If you seek to make a difference on a global scale, working with next-gen technologies and the sharpest collaborative teams, then we could be a perfect match. About us The Volvo Group is one of the world’s largest producers of commercial transport solutions, providing services throughout Europe, the Americas and Asia/Pacific. Volvo Financial Services (VFS) is the global financial services organization for the Volvo Group with total managed assets of approximately 175 Billion SEK. VFS Swedish operations has been certified as a Great Place to Work.  Position  As Territory Manager at Volvo Financial Services (VFS) you are implementing the commercial activities in your assigned territory including parts of: The county of Jönköping, Östergötland, Västra Götaland, Värmland, Västmanland, Örebro, Dalarna and Södermanland. The Territory Manager is tasked with increasing revenues, penetration levels and sales volumes at acceptable levels of credit risk. The role provides support to the dealer sales reps in your territory in order to support the overall sales of Volvo Groups products and services, you will be based in Eskilstuna and report to Commercial Director Sweden. Key responsibilities •    Interfaces directly with end customers in the territory, negotiates deals, sells products and solve problems. Ensure deals are compliant with company regulatory and tax requirements.•    Undertakes background research to gather information on the customer business, segment and financial situation ensuring that deals are most likely to be approved by the appropriate credit and risk committee•    Seek new opportunities to enhance service offerings through a profound knowledge of the customer’s business •    Meets customer’s together with the dealer. Volvo Group product sellers and facilitates sales with VFS bundled offerings.•    Deliver point of sales training and provide guidance to dealer sales reps for all VFS products and offerings.•    Provides input to sales forecasts. Support quarterly key dealer reviews•    Establishes strong relationships with customers and specifically with key accounts to improve the achievement of business objectives•    Work together with the dealer to facilitate VFS presence in the market and at the end customer   Education & Professional Experience •    Tertiary education or equivalent required•    High level of financial understanding required•    Deep and broad knowledge of the asset based finance industry required•    Minimum of five years’ experience as a Territory Manager or equivalent is required Competencies & Skills •    Excellent sales and negotiation skills•    Strong ability to build, develop and maintain strong relationships with customers, dealers and colleagues in the Volvo Group product areas•    Ability to develop, explain and sell complex, bundled offerings•    Is target-driven, self-motivated and tenacious in achieving objectives•    High level of IT application skills•    Good level of English (oral/written)   For further information, please contact:Magnus Lidén, Commercial Director at  +46 73 902 67 35 or magnus.liden@volvo.com We value your data privacy and therefore do not accept applications via mail.

Agil arbetskraft Sverige GF AB

Business Analyst / Risk Data Analyst – Financial Risk Are you ready to take on a key role in the strategic development of financial risk solutions? We are looking for a driven and analytical consultant to join an exciting journey within a Financial Risk VDE, responsible for the strategic development and maintenance of Market Risk and Counterparty Risk solutions. In this role, you will help improve and refine tools, methods, and data capabilities to ensure continued compliance with internal measurement needs as well as regulatory and reporting requirements. You will work in a highly collaborative environment together with software engineers, analysts, quants, architects, product owners, and other stakeholders. Your responsibilities Gather, understand, and analyse business and regulatory requirements Break down initiatives into logical components and prepare features for development Support testing, validation, and quality assurance before deployment Contribute to the development of data governance, information modelling, and data quality management Work with databases in the financial risk domain and apply your SQL skills in practice Collaborate cross-functionally to support automation, risk modelling, and system and functional improvements Help ensure that solutions align with group strategy, compliance requirements, and business needs We are looking for someone who has A self-driven, proactive, and curious mindset Strong analytical ability and a structured way of working Excellent problem-solving skills Good experience working with databases, querying, and SQL, preferably MSSQL Knowledge of Python or a similar programming language Familiarity with Linux A university degree in Risk Management, Business Administration, Economics, Financial Mathematics, Industrial Engineering, Computer Science, or a related field Strong communication skills and full professional proficiency in English, both spoken and written It is considered an advantage if you also have Knowledge of Financial Risk, especially Market Risk and Counterparty Credit Risk Understanding of financial regulations such as FRTB-SA, SA-CCR, IRRBB EV, ITS, and CRRIII Experience working in Agile environments, preferably SAFe Experience with front-office, back-office, or risk calculation systems/applications What we offer A meaningful role with real impact on financial risk capabilities and regulatory compliance Opportunities for personal and professional growth through self-leadership and continuous development An open and collaborative culture with strong cross-functional teamwork A supportive and inclusive work environment Flexible working conditions when suitable for the role Earlier start date is possible. If you are passionate about financial risk, data, analysis, and working close to both business and technology, we would love to hear from you.

Husqvarna AB

We’re one of the world’s oldest start-ups — and we’re just getting started. At Husqvarna Group, innovation is in our DNA. With over 330 years of heritage and a passion for pioneering technology, we design and deliver world class products and solutions for forest, park, garden and construction care. From robotic lawn mowers to cutting-edge chainsaws and sustainable battery systems, we’re shaping the future — and we want you to be part of it. As Demand Planning Manager, you will ensure that parts and accessories are available to support our products throughout their lifecycle. This is a key role where you will lead and develop our global demand planning - an area that is central to how we drive operational excellence and customer satisfaction. In this role, you will report to Johan Törnqvist, Manager, Demand Planning, Global Operations. About the role: This is a unique opportunity to shape a global demand planning capability in a growing aftermarket business, where your work directly impacts customer experience and commercial performance. You will play an important role in strengthening and aligning demand planning ways of working across our global organization, helping stakeholders navigate change as processes, tools, and forecasting capabilities continue to evolve. You will drive planning across a 24-month rolling horizon, ensuring high forecast accuracy and actively managing bias. A key focus will be to continuously and strategically improve our system-driven forecasting models and strengthen how we work with data, while proactively identifying deviations and driving actions based on trends and insights. You will also play an important role in performance management and continuous improvement by defining and monitoring key KPIs and using insights to support decision-making. You will help translate demand patterns into clear business recommendations and drive initiatives to further enhance our forecasting methods, tools, and processes globally. In addition, you will lead, coach, and develop a growing team of six demand planners, building strong capabilities within forecasting, analytics, and stakeholder collaboration. You will lead through change, creating engagement, clarity, and alignment as the function and its ways of working continue to evolve. About you: To succeed in this role we believe you are a driven and curious leader who enjoys working in complexity and turning insights into action. You don’t wait for perfect conditions - you create structure, drive decisions, and move things forward. You are confident leading through change, bringing people with you, and creating alignment across global stakeholders in a complex international environment. You are comfortable challenging stakeholders, while building strong relationships across the organization and knows that data, business understanding and collaboration go hand in hand. Your skills and background: Bachelor’s or master’s degree in engineering, supply chain management, logistics, operations management, or equivalent Experience within demand planning, forecasting and supply chain planning Experience driving transformation initiatives as well as working in cross-functional and international environments handling different stakeholders Proven ability to lead people and develop teams Strong analytical capability and confidence working with data and KPIs Experience with advanced planning systems and solid Excel skills Experience from aftermarket, spare parts, or complex product structures is a strong advantage. Fluency in English, both spoken and written. Knowledge in Swedish is considered an advantage Location This position will be based in Huskvarna, Sweden. We believe the best ideas happen when we're connected. We spend most of our time together in the office, at least 4 days a week (80%), creating space for collaboration, creativity, and fast decision-making. Your application: Please submit your application in English. We do not accept applications via e-mail due to GDPR regulations. For questions about the role, reach out to hiring manager Johan Törnqvist, at johan.tornqvist@husqvarnagroup.com. For questions about the recruitment process, reach out to Talent Acquisition Partner Nina Hallin at nina.hallin@husqvarnagroup.com. We look forward to hearing from you! Please note due to the summer holidays, the recruitment process will resume in August when we are back. We truly appreciate your patience and interest in the role. In the meantime, we wish you a wonderful and relaxing summer! Processing of personal data When you send in your application we will process your personal data. In case we choose to proceed with your application, we will ask you to verify your identity before giving you a job offer. When recruiting for this role, we also carry out an additional background check in the form of a credit check (Sw. kreditupplysning). For more information about how we process your personal data, who we may share it with and what rights you have, please see our privacy notice. Winning Through Culture We believe that business is ultimately about people, as a team, we win and grow together. Our culture is built on bold ideas, strong commitment, and a shared purpose, creating an environment where innovation thrives, people grow, and every contribution matters.     Our culture is built on three core themes:   Bold: We push boundaries, embrace challenges, and explore new possibilities. Dedicated: We put in the hard work, bring passion and resilience to every challenge we take on. Care: We support each other, consider the impact of our actions, and strive to make a lasting difference. Whether you’re starting your career or looking for the next big step, we offer a place where passion and purpose come together. Join us in shaping the future!

Anyfin

Location: Stockholm, Sweden Language Requirement: Native-German Work Hours: Monday–Friday, 08:00–17:00 (1 weekly WFH day) ---------------------------------------------------------------------------------------------------------------------------------- HELP PEOPLE TAKE CONTROL OF THEIR FINANCES — JOIN US AT ANYFIN At Anyfin, we believe financial power belongs in the hands of the people. Since 2017, we’ve helped customers across Sweden, Finland, Norway, and Germany save millions by refinancing expensive consumer credit. And we’re just getting started. With new markets, new tools, and new products ahead, we’re on the lookout for more brilliant minds and big hearts to grow our Operations team. We’re now hiring a German-speaking Operations Agent who’s eager to make a real impact on customers’ financial health - every single day. ---------------------------------------------------------------------------------------------------------------------------------- ⭐ WHAT YOU’LL BE DOING As an Operations Agent, you become a key player in our core operations. Your work will directly shape the customer experience and the success of our mission. Your responsibilities: * Communicate with customers across email, chat, phone, and social media * Ensure top-quality customer experience - every interaction counts * Follow credit policies and regulatory standards with precision * Handle administrative tasks, including AML/KYC checks, customer verification, and regulatory documentation * Analyze and evaluate credit applications to produce responsible, transparent offers * Suggest and implement improvements to processes, tools, and workflows * Collaborate closely with a supportive, energetic, cross-functional team ---------------------------------------------------------------------------------------------------------------------------------- 🌟 WHO YOU ARE You’re in the early to mid stages of your career, combining enough experience to make confident decisions with a strong hunger to grow within fintech. YOUR BACKGROUND You likely have 1-4 years of experience in: * Customer service (banking, fintech, insurance, telecom, travel, or similar) * Credit risk assessment, AML/KYC, financial services, or advisory roles * Sales or support environments where empathy and communication are key You don’t need to be senior - but you do bring maturity, ownership, and reliability to every task. ---------------------------------------------------------------------------------------------------------------------------------- 🧠 SKILLS & COMPETENCE LANGUAGES * Native-level German * Fluent English * Bonus: Swedish or Finnish TECHNICAL & ANALYTICAL SKILLS * Excellent communication skills across written and spoken channels * Strong attention to detail and comfort working in regulated environments * Ability to assess creditworthiness quickly and accurately Comfortable interpreting financial data and customer information * Familiarity with AML/KYC or a willingness to learn * Familiarity with AI ---------------------------------------------------------------------------------------------------------------------------------- 💛 MINDSET & PERSONALITY You thrive in a role where customer impact is real and immediate. You are: * Customer-obsessed — motivated by helping people improve their financial lives * Fearless & proactive — you take initiative and challenge how things can be improved * Positive & team-oriented — uplifting the people around you comes naturally * Structured yet adaptable — you follow processes while embracing change * Multitasking-friendly — you enjoy switching between service, analysis, and admin tasks ---------------------------------------------------------------------------------------------------------------------------------- 🚀 WHAT DRIVES YOU * Growing your career in fintech * Working ethically and helping customers regain financial control Being part of an ambitious, international, mission-driven team * Making real impact - not just executing routine tasks ---------------------------------------------------------------------------------------------------------------------------------- 🎁 WHAT WE OFFER * A modern office in central Stockholm * A diverse team from all over the world * Real opportunities for learning, development, and career progression * A supportive and high-performing Communications & Operations team * Breakfast, after-work hangouts, wellness perks, and top-tier tech gear * A workplace that values curiosity, innovation, and continuous improvement This is your chance to join a bold fintech company transforming financial health and to grow alongside a team that’s only getting started. READY TO MAKE A DIFFERENCE? We can’t wait to meet you. Apply today and help us build a fairer financial future for everyone.

Resurs Bank AB

Are you driven by analytics, automation, and stopping fraud before it happens? Join our fintech bank and help us design the next generation of data-driven fraud prevention in Sweden. As a Fraud Analyst, you will work at the intersection of data science, risk, and real-time decisioning. You will develop, test, and optimize fraud detection models across lending, cards, and payments. Your analyses will directly influence risk appetite, customer experience, and portfolio performance. You will: Analyze large, complex datasets to detect fraud patterns and emerging attack vectors Develop and maintain fraud models, rules, and monitoring frameworks Build dashboards and reporting that translate risk signals into actionable insight Partner closely with Fraud Prevention, Credit Underwriting, IT, and Data Engineering Continuously improve automation, decision engines, and model performance This is a hands-on role in a fast-moving environment where your work directly impacts loss rates, approval rates, and customer trust. Who you are 5+ years’ experience in data science, analytics, or quantitative risk roles within a bank, fintech or related industry Strong knowledge of machine learning, statistical modeling, and model validation Advanced SQL and Python (R is a plus) Experience with BI and visualization tools (e.g. Power BI, Tableau, Qlik, SAS) Comfortable working with large datasets and production-grade decision systems Able to translate complex analysis into clear, business-driven recommendations Experience in financial fraud prevention or fraud risk management is highly meriting You are analytical, commercially minded, and motivated by solving adversarial problems in real time. You thrive in a fintech environment where speed, ownership, and impact matter. Resurs in brief At Resurs, we make everyday finances easier through innovative and customer-focused solutions. With customers across the Nordics and more than 800 colleagues, we are committed to creating long-term value for individuals, businesses, and society. Recognized as a career company for the past six years, we put strong emphasis on both personal and professional growth. We want to make a difference by striving to be our best, acting with kindness, and building trust through clarity and collaboration. Our heart beats strong and it shows in everything we do. Although we are based in the Nordics, our team is enriched by the breadth of perspectives brought by colleagues from different countries. We foster a welcoming and supportive culture, where collaboration drives us to achieve the best outcomes for our users. Apply today! Don’t wait to send in your application. Selection and interviews take place on an ongoing basis, and the position may be filled before the last application date. We look forward to hearing from you! Important information On final candidates, we carry out a detailed background check via an external company. #LI-LN1

Northmill Bank AB

Northmill Bank is a challenger bank at the intersection of technology and finance, committed to revolutionizing the way people manage and protect their financial well-being. We are creating a different kind of banking experience, digital yet personal. Northmill Bank was founded in 2006 and has grown to over 240 employees in 3 countries, 4 000 merchants and 600 000 end users. We use the latest technology to develop safe, smart, and user-friendly products for our customers. They are the sole reason why we do what we do. We are a 100% cloud-based product company where technology is the driver to create smarter banking products. Grab this opportunity to be a part of us and our journey! About the role We’re now looking for a Credit Analyst to join our growing Credit team at Northmill. As part of our international expansion, Northmill is entering the German market, and this role will be one of the first key hires in that journey. You will play a central role in building and optimizing our credit strategy in Germany, ensuring sustainable and profitable growth from the very start. This is a unique opportunity to shape credit policies, influence portfolio performance, and contribute to establishing Northmill as a strong player in a new market. You will report to the Head of Credit Risk for B2C. Responsibilities Analyze and monitor the entire credit cycle to continuously optimize the bank’s credit policies Use data-driven insights to propose enhancements that improve portfolio performance and manage credit risk Present recommendations to the Credit Committee and follow up on the outcomes of approved changes Track and evaluate lending portfolios from new account origination through collections, addressing deviations from expectations Collaborate with Data Scientists and Data Engineers to develop credit models and ensure the bank’s data infrastructure effectively supports analytical and credit needs Work cross-functionally with Product and Marketing to balance growth and risk Represent the Credit department in wider business projects and initiatives Who you are You have a strong analytical mindset, excellent attention to detail, and the ability to communicate complex insights in a clear and actionable way. You’re curious, proactive, and comfortable making recommendations even when all the data isn’t perfect. You enjoy working in a dynamic environment and are motivated by the opportunity to build something new and make a tangible impact from day one. Qualifications Bachelor’s or Master’s degree in a relevant field At least 2 years of experience as a Credit Analyst, Data Analyst, or in a similar analytical role Direct experience with the German consumer credit market Fluency in German and English Proficiency in SQL or Snowflake for data querying and manipulation What we offer A fantastic office in a prime Stockholm location with great spaces and views An independent role with the opportunity to make a real impact Great opportunities for professional development Health - 5 000 kr health care allowance Conference abroad every other year Breakfast and fruits every day, as well as "holy fika” each Friday Regular after work and celebrated successes at the office Apply today and be a part of Northmill!

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

Bridgepoint AB

About Us We are one of the world's leading private asset growth investors, specialising in private equity, infrastructure and private credit. With $98bn of assets under management and a strong local presence in Europe, North America and Asia, we combine global scale with local market and sector expertise, consistently delivering strong returns through cycles. Bridgepoint's private equity business focuses on investing in middle-market businesses via three distinct fund strategies: · Middle Market, implemented via Bridgepoint’s flagship buyout fund, which focuses on investing in market-leading businesses typically valued between €250 million and €1 billion; · Lower Middle Market, implemented via Bridgepoint Development Capital, which focuses on investing in cap companies valued up to £200 million; · Small Cap, implemented via Bridgepoint Growth, which focuses on companies using digital technologies to achieve transformational growth in their end-markets, typically seeking equity investment of between £5 million and £20 million. Credit, implemented via Bridgepoint Credit, is our private credit platform that invests across the capital structure and risk-reward spectrum through three complementary strategies: · Syndicated Debt, which targets investments in high-quality companies across the broadly syndicated loan and high-yield markets; · Direct Lending, which covers growth capital, acquisitions and refinancings; and · Credit Opportunities, which provides credit for complex situations and creative solutions. Our infrastructure strategy is implemented through ECP, one of the largest private infrastructure managers focused on North American, middle-market energy transition opportunities. ECP's flagship infrastructure funds focus on making value-add, predominantly control investments across electricity and sustainability infrastructure. These sectors include opportunities within wind, solar, storage, natural gas power generation carbon capture, renewable fuels, energy efficiency, digital, hydrogen, recycling waste management, beneficial re-use and waste-to-energy. Bridgepoint Growth are a team of 9 based across London and Stockholm, investing in business of between £5 million and £20 million. They are looking for an Analyst / Associate to join their Stockholm team. Key Responsibilities · Appraising potential investment opportunities, executing upon diligence programmes and supporting the structuring of deals. · Building, iterating and auditing financial models. · Developing and presenting relevant sections of investment papers to Bridgepoint’s investment committee. · Managing a broad array of stakeholders (e.g., corporate finance advisers, diligence providers etc.) across process milestones; and · Working closely with investee company management teams in the development and implementation of the value enhancement plan. Key Individual Attributes · At least 2 - 4 years of work experience with reputable strategy consulting firms, investment banks (in the mergers & acquisitions or leveraged finance departments), transaction services firms or other leading organisations (including technology led ones). · Excellent academics including a degree at Bachelor or Master’s level. · A credible and engaging presentational style, coupled with the confidence (tempered by self- awareness) to be effective in relationship building with vendors / management teams and advisers. · A high level of numeracy and technical proficiency, combined with the commercial awareness to put the numbers into their strategic context. · A demonstrable interest in investing as opposed to advising, coupled with a genuine interest in understanding underlying market and business dynamics. · Remains flexible and demonstrates ability to prioritise work. · Remains composed under pressure. · Ability to look at information and situations in a fresh light. · Exhibits high energy and drive. · Exhibits a natural curiosity coupled with a “getting things done” attitude.

Nordnet Bank AB

Nordnet is a leading pan-Nordic digital platform for savings and investments. Ever since our start in 1996, our purpose has been to democratize savings and investments. Through passion, simplicity, and transparency, we challenge traditional ways in the financial industry, and give private savers access to the same information, tools and services as professionals. Our ambition is to inspire, encourage and enable people to take their savings to the next level, no matter who they are. Your role

 Help us go towards cloud 2030. As a technical IAM Specialist at Nordnet, you will be crucial in managing and enhancing the core of our IAM platform as we work towards a full cloud migration. Your role involves developing while ensuring secure, efficient, and scalable solutions within our IAM framework to achieve this cloud-ready goal. A techie with drive. Your closest colleagues will be the IAM Process Owner and other system specialists, and together you will collaborate to further improve the IAM experience at Nordnet. You like to be technically hands-on doing development, analysis, implementation and maintenance. The main system you’ll be working with is EntraID (AzureAD). Experience with IdentityNow/ISC and Google Workspace/Cloud Identity is a plus. As IAM Specialist, you Oversee day-to-day management and continuous improvement of Nordnet's IAM systems, ensuring they meet security, compliance, and user experience standards. From support requests to access certifications, role based access configuration, application integrations, SSO and new improvements. Work closely with the IAM Process Owner and other system specialists to align IAM strategies with broader management goals i.e. towards cloud solutions. Stay informed of industry trends and best practices in IAM, proposing and implementing improvements to our platform. This of course includes a healthy budget for relevant events and/or education if needed. Background

 You are well versed in the following Microsoft EntraID (AzureAD) Privileged Access Management IAM integrations (e.g. SCIM, REST, and Graph APIs) Good to have Sailpoint IdentityNow/ISC and/or IdentityIQ Google Workspace and/or Cloud Identity Microsoft Active Directory Experience from banking and finance Language skills

 You are fluent in English in writing and speaking. We offer

 We offer you the opportunity to work in a Nordic environment with a strong focus on delivery, product development and technology. Our ambitions are high and you will embark on a fast and challenging journey together with a skillful team of sharp and committed colleagues.

 Culture is built and cared for, each day by everyone. We’re proud of ours. Having a flat organization where anyone can talk to anyone creates a warm and friendly atmosphere worth protecting. We believe in a culture where every effort counts and where everyone is being recognized. A culture embracing our core values – passion, simplicity and transparency on all levels, no matter who you are or what you do.

 We are over 900 employees in Stockholm, Oslo, Helsinki and Copenhagen.

 Visit us on: www.nordnetab.com and
https://career.nordnetab.com Questions & applications

 If you have questions, please contact Talent Acquisition Partner, Lovisa Malmberg at lovisa.malmberg@nordnet.se. Please apply today by using the button below – we will start interviewing immediately. Please note that we do only accept applications through our recruitment system, hence no email applications will be considered. We want to inform you that Nordnet conduct credit, drug test and background checks as a part of the recruitment process. We look forward to receiving your application.

Stripe

WHO WE ARE ABOUT STRIPE Stripe is a financial infrastructure platform for businesses. Millions of companies - from the world’s largest enterprises to the most ambitious startups - use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone's reach while doing the most important work of your career. ABOUT THE TEAM The Risk Operations team is looking for an experienced Credit Operations Analyst to join an industry leading global credit operations team. As a Credit Analyst, you will execute operational processes and scale programs while devising growth friendly solutions that reduce Stripe’s credit risk. Did you know that only around 4% of the world’s GDP comes from internet commerce? At Stripe, we believe that this represents a future with almost limitless potential for innovation, creativity and global prosperity. While the promise of a global online economy is palpable, it doesn’t come without significant risk.  Billions of dollars are processed by Stripe each year and the Credit Operations team works to ensure that exposure is minimized while facilitating company growth. We are looking for someone passionate about commercial credit, the payments ecosystem, and has a strong desire to work collaboratively with peers and partners in the credit space while building and enhancing processes at scale. This person will work alongside a global team of analysts and build cross functional partnerships with engineering, strategy, sales, vendor management and more. The right candidate for this role should have an understanding of general credit principals, risk management, and credit modeling. Successful candidates for the role will have a minimum of four years experience in credit operations within the payments, fintech, or financial service spaces.  WHAT YOU’LL DO RESPONSIBILITIES * Work with merchants from successful venture-backed startups to well established institutions * Complete in-depth credit reviews on merchants throughout their life cycle to identify credit concerns. * Investigate and action/triage escalations across multiple channels while providing accurate and timely responses * Own various operational processes that the team performs such as credit reviews and handling urgent risk-related escalations whilst upholding a strong commitment to process excellence and clear documentation * Identify risk factors & trends and further report said trends to the wider risk team  * Utilize analytics to optimize strategies which can be enforced across the portfolio  * Maintain regular communication with cross-functional stakeholders * Identify gaps in current systems, policies and strategies, and recommend enhancements and process improvements * Lead team work streams related to credit decisioning & accuracy, providing updates in team and org wide business reviews. WHO YOU ARE We're looking for someone who meets the minimum requirements to be considered for the role. If you meet these requirements, you are encouraged to apply. The preferred qualifications are a bonus, not a requirement. MINIMUM REQUIREMENTS * 4+ years relevant experience with a solid understanding of general commercial credit principals. * 1+ years of experience leading risk related projects or initiatives working closely with cross-functional stakeholders. * Experience using data to propose creative solutions to both tactical and strategic problems * Creativity, a team-focused mentality, and effective problem solving skills * The ability and desire to question the status quo * The ability to approach challenges from a user perspective while being pragmatic and solutions oriented * Deep empathy for entrepreneurs running a business and are motivated to solve problems to empower them PREFERRED QUALIFICATIONS  * Experience designing credit/risk workflows, analyst tooling, and processes/procedural workflows * Strong proficiency using SQL to analyze data, drive insights, and create dashboards and visualizations

Sway Sourcing Sweden AB

Om uppdraget 🚀 Vi söker en senior Credit Risk Analyst till ett uppdrag inom bank. Du blir en nyckelperson i att analysera och följa upp finansiella risker i en global portfölj, med fokus på att identifiera trender och förbättra riskhanteringsprocesser. Uppdraget innebär nära samarbete med olika funktioner och ger möjlighet att påverka strategier kopplat till risk, tillväxt och effektivitet. Dina arbetsuppgifter 🧩 Analysera kreditrisktrender inom konsumentportföljer globalt Granska individuella kreditbeslut och ta fram insikter för underwriting-strategier Arbeta med SQL och Python för att granska och validera riskmodeller och beslutslogik Förbättra och automatisera återkommande riskuppföljning Genomföra djupanalyser inom bl.a. motpartsrisk, FX-risk, ränterisk och likviditetsrisk Samarbeta tvärfunktionellt med risk- och affärsteam Omvandla komplex data till konkreta förbättringsåtgärder Förväntade leveranser 📦 Datadrivna analyser av kreditrisk och finansiella risker Identifierade risktrender och förbättringsförslag Validering av riskstrategier och modeller Automatiserade processer för riskuppföljning Beslutsunderlag som balanserar risk och tillväxt Din profil 🎯 Kandidatexamen inom finans, ekonomi, matematik, data science eller liknande Minst 4–5 års erfarenhet inom risk management, kreditrisk, treasury eller konsult/audit inom finans God förståelse för finansiella risker i finansiella institutioner Meriterande färdigheter ⭐ Stark SQL-kompetens och vana att arbeta med stora datamängder Erfarenhet av Python i analys- eller riskarbete Erfarenhet av automatiserade beslutsmotorer eller kreditmodeller Erfarenhet från bank eller finansiella tjänster Personliga egenskaper 🤝 Analytisk och datadriven Självständig och initiativtagande Kommunikativ med förmåga att förenkla komplex information Nyfiken och lösningsorienterad Övrig information 📍 Plats: Stockholm (2–3 dagar/vecka på kontor) Omfattning: Heltid Start: Inom 1 månad / ASAP Period: 4–6 månader (stor chans till förlängning) Språk: Engelska (flytande) Sway Sourcing är en innovativ rekryteringspartner som specialiserar sig på att matcha rätt talang med rätt företag – snabbt och effektivt. Vårt huvudfokus ligger inom Ekonomi, Administration, HR, Marknad och IT, men vi har även den breda expertis och flexibilitet som krävs för att leverera skräddarsydda rekryteringslösningar inom alla branscher. Trots att vi är en relativt ny aktör har vi redan byggt förtroende hos många av Sveriges största företag och arbetar både nationellt och internationellt. Med baser i Sverige och Spanien erbjuder vi en unik kombination av lokal expertis och global räckvidd. Vårt starka nätverk och djupa branschinsikter gör oss till en självklar partner för företag som vill ligga steget före i sin rekrytering.