Avarda Group

About Avarda Bank Avarda Bank AB (formerly TF Bank) is a Swedish bank listed on Nasdaq Stockholm. The bank was founded in Borås in 1987 and today offers payment, savings and lending solutions to millions of customers in 14 European countries. Our business has two areas. Everyday Finance, our main growth area, covers credit cards and e-commerce solutions. Consumer Lending covers one-off credit needs. We are a growing, profitable bank with a lean organisation, so you get close to decisions and see the impact of your work. About Group Governance Group Governance makes sure Avarda is run in a sound, transparent and compliant way, and keeps the governance framework practical and useful for the business. The function is responsible for the Group’s internal governance, sustainability and ESG, and customer complaints. Our responsibilities include: * Governing documents: we own the Group’s framework of policies, instructions and guidelines, including the CEO instructions, and make sure every internal rule is reviewed at least once a year. * Board and corporate administration: we run the administration of all subsiduaries in the Group, including reporting to and from the Boards and their committees. * Corporate Committee: we chair and run the Group’s central forum for internal governance, compliance reporting and risk follow-up, and report from it to the CEOs and Boards. * Internal audit: we are the main contact point for the outsourced internal audit, from the annual audit plan to follow-up of recommendations. * Outsourcing: we set the framework for managing outsourcing arrangements and report on them to the Board every year. * Product and process governance: we design the processes for new product approval (NPAP), process documentation and portfolio planning. * ESG and sustainability: we lead the Group’s ESG programme, double materiality assessment, sustainability reporting (CSRD/ESRS, Pillar 3) and the integration of ESG into risk management. About the Role As Group Governance Specialist you will work closely with the Head of Group Governance and ESG and take ownership of designated areas within the function, with a focus on corporate administration and governing documents. Most of our subsidiaries are Swedish companies, so Swedish company law will be a central part of your day-to-day work. The scope may evolve over time in line with the needs of the function and your own development. We work with generative AI every day, and you'll be expected to use it actively and to help build AI agents that simplify and automate our governance work. Main tasks: * Be responsible for board and corporate administration for our subsidiaries, including board meetings, minutes, general meetings and filings with the Swedish Companies Registration Office (Bolagsverket) * Own and maintain the Group’s policies and governing documents, and coordinate their annual review to ensure regulatory compliance and quality * Support the Corporate Committee and the reporting to the Boards and their committees * Deliver, develop and continuously improve governance processes, templates and frameworks * Follow regulatory developments and help translate new requirements into our governance framework * Collaborate with internal functions and stakeholders to ensure timely and high-quality delivery * Contribute to other areas within the function as needed * Use generative AI in your daily work and help develop AI agents and tools that make governance processes simpler and more efficient Who you are You have a law degree (juristexamen) or another relevant university degree with a solid understanding of Swedish company law (aktiebolagslagen). You may have a few years of experience from a law firm, a public authority, compliance, governance or a similar role, preferably in a regulated environment. Or you are earlier in your career and have a real interest in regulation and corporate governance. Familiarity with banking regulation is a plus, but you’ll learn a lot along the way. You are: * Highly trustworthy and discreet * Structured and detail-oriented, and able to manage several priorities at once * Able to work independently and to ask for guidance or raise concerns early * Able to explain complex matters in a clear and accessible way * Service-minded and collaborative, and comfortable working within structured processes * Curious about new technology and keen to use AI to work smarter. Languages Fluent in Swedish and English, written and spoken. What we offer * Broad exposure to how a bank is governed, from Board level to day-to-day operations * Close collaboration with and mentorship from the Head of Group Governance and ESG * Real responsibility early on, with room to grow as the function develops * The opportunity to work hands-on with generative AI and build agents that shape how governance is done

ABOUT THE ROLE We are looking for an analyst with strong business capabilities to join our team. This is a hands-on role at the intersection of data analysis and business decision-making. You will analyse our performing credit portfolios, evaluate and improve pre-collection activities, and provide analytical support for portfolio sales and transactions across our markets. You will work with everything from SQL-based data analysis and performance monitoring to presenting clear recommendations to business owners and management. We are looking for someone who does not stop at explaining what happened, but can identify why it happened and what we should do next. KEY RESPONSIBILITIES * Analyse the performance of performing credit portfolios, including payment behaviour, early delinquency, roll rates, vintages, customer segments and profitability * Identify emerging risks and opportunities and translate findings into concrete business recommendations * Measure and improve pre-collection strategies, including customer selection, contact channels, treatment strategies, vendor performance and cure rates * Design and evaluate tests to determine the incremental impact of pre-collection initiatives * Develop robust SQL analyses, datasets and recurring performance reporting * Support portfolio sales and forward-flow transactions through portfolio segmentation, data-tape preparation, cash-flow and pricing analyses, due diligence and post-sale performance monitoring * Ensure strong data quality, consistent definitions and clear documentation * Present findings in a concise and commercially relevant way to business stakeholders, committees and management * Collaborate with colleagues across Credit Risk, Collections, Finance, Commercial & Data as well as country teams and external partners QUALIFICATIONS AND EXPERIENCE * Strong SQL skills and experience working with large and complex datasets * A relevant academic background in finance, economics, statistics, mathematics, data science or a similar quantitative field * Experience within credit risk, portfolio analytics, consumer finance, collections or another data-driven financial environment * Strong analytical and problem-solving skills, combined with commercial judgement * Ability to turn complex analyses into clear conclusions and practical recommendations * A structured and independent working style, with strong attention to data quality and detail * Strong communication skills and confidence working with both technical and business stakeholders * Professional proficiency in English * Experience with Power BI, advanced Excel, pre-collection, portfolio sales or debt-purchase transactions is a plus We Offer You will join a developing Group function with a clear mandate and close access to decision-makers. The role offers broad exposure across markets and products, significant ownership of your analyses and the opportunity to directly influence how we manage portfolio performance, prevent future credit losses and execute portfolio transactions.

ABOUT THE ROLE Avarda is continuing its growth, and we are looking for a Senior Legal Counsel to help us get there. In this role you will provide senior legal support on MiFID II regulation, and MiFID related contractual arrangements, working closely with colleagues across products, and the business as we design and implement the legal and regulatory framework for this new venture. Alongside this build-out, you will also provide ongoing legal support to Avarda's existing banking business, so the role combines a forward-looking regulatory project with the day-to-day legal needs of a running bank. We would prefer a lawyer qualified in Sweden, but we welcome applications from qualified lawyers based in any of our other markets. This is a senior, hands-on role for someone who wants real ownership of a strategically important build-out, working within an international legal team across Avarda's European markets. Key Responsibilities * Act as the group's senior legal expert on MiFID II related regulation, advising the business on licensing and the regulatory requirements that come with operating an investments business, including designing governance structures, internal policies, and customer documentation. * Support the legal assessment of new and existing products in close collaboration with product and operations teams * Draft, review, and negotiate contracts with business partners and service providers, and contribute to our contract templates and contract lifecycle management system * Provide broader legal advice on topics such as contract law, consumer credit law, data privacy, and banking regulation as they arise * Work closely with legal colleagues across Avarda's European markets to share knowledge, align best practice, and contribute to group-wide initiatives * Help build legal and regulatory awareness across the organization through training and day-to-day advice Qualifications and Experience * Law degree with 5+ years of professional experience * MiFID regulatory and contractual experience * Fluent in English (written and spoken) What We Offer * A broad, hands-on legal role with real responsibility from day one * Hybrid working model: On-site in Stockholm, combined with remote flexibility * A collaborative, international team across multiple European markets * Room to grow; we invest in continuous learning and are committed to developing our people