Bankaktiebolaget Nordiska

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 an Analyst in Nordiska’s Credit Risk department, you will analyse data and develop credit models that directly influence our lending strategies and decisions. You will help strengthen our use of data in lending to both new and existing customers, covering consumer and corporate lending across the Nordics and Continental Europe. This is an opportunity for a recent graduate or someone early in their career to develop their expertise in quantitative analysis and credit risk modelling. In the role, you will: * Collect, structure and analyse data from internal and external sources. * Develop and maintain credit scoring models and other credit risk parameters, such as loss given default (LGD). * Perform quantitative analysis to inform improvements to credit strategies. * Validate models against internal requirements and relevant regulatory frameworks, including IFRS 9 and CRR/Basel. * Work closely with IT and Data teams to implement models in systems and processes. * Conduct stress tests and scenario analyses. * Support new product launches and expansion into new markets. Your Professional Profile We are looking for an analytical and curious person who enjoys working with data and solving complex problems. You work methodically, question assumptions and connect your findings to their implications for the business. You collaborate effectively with colleagues across different teams and explain analysis results and recommendations clearly to both technical and non-technical stakeholders. We believe that you have: * A degree in Statistics, Mathematics, Economics, Engineering or a related field. * Up to 3 years of experience in credit risk analysis or a related role within financial services. We also welcome applications from recent graduates. * A foundation in quantitative methods and data analysis gained through your studies or professional experience. * Experience working with risk models and analytical tools is an advantage. * Experience using SAS, R or Python for data analysis 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 lydia.cezar@nordiska.com

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 lydia.cezar@nordiska.com

Lead the development of the financial infrastructure behind Nordiska’s growth. Take ownership of payments, accounting and invoicing systems, turning complex financial flows into seamless, automated and scalable solutions that enable new products, partnerships and business opportunities. 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 We are looking for a technically strong Product Manager to own and develop Nordiska’s Payments, Accounting and Invoicing capabilities. You will drive the product strategy and development of scalable financial infrastructure, ensuring reliable payment processing, accurate financial data and efficient operations. Working closely with Engineering, Finance, Treasury and Operations, you will turn complex financial challenges into impactful product solutions. The role combines strategic product leadership with hands-on execution, with a strong focus on automation, scalability and business growth. In the role, you will: * Own the product vision, strategy and roadmap for Payments, Accounting and Invoicing, aligned with business priorities and growth ambitions. * Drive the development of payment infrastructure, transaction flows and integrations with external payment providers and partners. * Develop scalable solutions for transaction processing, ledger management, reconciliation and financial reporting. * Improve invoicing, billing and fee management through automation and streamlined processes. * Explore and drive AI-powered solutions to automate financial workflows, reduce manual processes and improve operational efficiency. * Lead product discovery, define requirements and prioritize the backlog, working closely with engineering to deliver scalable solutions. * Partner with Finance, Treasury, Operations, Risk and Compliance to balance commercial opportunities, technical requirements and regulatory obligations. * Define and track KPIs related to payment performance, reconciliation accuracy, automation and operational efficiency. Your Professional Profile We are looking for a Manager who thrives in a fast-paced fintech environment. You combine strong technical understanding with a hands-on approach and enjoy solving complex financial challenges through scalable technology. You are curious about emerging technologies, particularly AI and automation, and constantly look for opportunities to simplify financial flows and improve how businesses operate. You challenge existing ways of working, communicate clearly and take ownership from strategy to delivery. We believe that you have: * Proven product management experience, preferably within fintech, payments, banking infrastructure or financial platforms. * Strong skills in product strategy, roadmaps and prioritization, translating complex requirements into actionable solutions. * Solid understanding of payment infrastructure, transaction flows, APIs, integrations and ledger systems. * Experience with financial processes such as reconciliation, accounting or invoicing, and driving automation and efficiency. * Strong commercial awareness, balancing growth, scalability, operational efficiency and regulatory requirements. * Excellent stakeholder management skills across technical and financial teams, combined with strong ownership and a proactive approach. * Experience with payment schemes, payment service providers or banking-as-a-service, and knowledge of financial regulations or accounting principles, are advantages. 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 lydia.cezar@nordiska.com