Head of Credit Analytics

At Qliro we deliver safe and simple payments. We are a dedicated partner to our merchants who serve their customers every day. We

believe that if our merchants grow, we grow. We are a company of dedicated, friendly and highly competent people that together

have redefined what Qliro and payments can be. We are now on a journey of scaling our business both here in Sweden and the

Nordics.

You lead credit analytics at Qliro and own the credit life cycle, from setting the underwriting strategy to monitoring how the

portfolio performs and forecasting losses. You are accountable for the balance between risk and profitability, and for making sure

our credit decisions are backed by analysis. You lead a team of two credit analysts.

• Set and develop Qliro’s credit strategy: who we approve, at what limits and terms, and how that changes as the portfolio and

the market change.

• Understand what drives risk and profitability in the portfolio, and how the two trade off against each other. You can explain

to management what a change in approval rate or credit rules does to losses and to profit and loss.

• Own our expected credit loss (ECL) model and our provisioning methodology. This includes the model’s assumptions, how well it

performs, how it is recalibrated, and how the results are explained to Finance and other stakeholders.

• Forecast credit losses and explain how they move with changes in strategy, macroeconomic conditions and portfolio mix. You

provide the loss view that Finance uses in budget and forecasting.

• Monitor portfolio performance and act on it. This covers loss development, early signs of deterioration, and differences

between customer segments, merchants and markets.

• Follow new and changing regulation that affects credit, and make sure our underwriting framework is adapted in time. Compliance

supports you, but the credit function owns the framework.

• Decide how credit rules and models are tested and introduced, for example through champion/challenger setups, and follow up on

whether they delivered what we expected.

• Work with data scientists and engineers who build models, tools and decision rules. You set the credit requirements and judge

whether the result is good enough to use.

• You know the credit life cycle in practice: underwriting, limit setting, monitoring, and what happens when customers fall

behind.

• You have worked with ECL modelling and provisioning, and can explain how the model works, what drives its results, and where it

is uncertain.

• You have adapted credit policy or an underwriting framework to new regulation, and can read regulatory requirements and

translate them into credit rules.

• You understand how analyses and credit models are built well enough to review and challenge them. You do not need to write the

code yourself.

Qliro is an equal opportunity employer. All qualified applicants will be considered for employment without regard to gender,

gender identity or expression, national origin, religion or other beliefs, disability, sexual orientation or age.