Credit Risk Analyst

Stockholm - Sweden

Monthly Salary: Not Disclosed

Posted on: Yesterday

Vacancies: 1 Vacancy

Job Summary

We arecurrentlylooking for aCredit Risk Analystto strengthen ourB2CCreditRisk andAnalytics this role you will play a keypartin developing and improving credit portfolio performance delinquency management and decision-making through advanced analytics and expert will be part of a highly competent credit risk analytics team characterized by strong individual ownership collaboration and mutual support. Whiletheanalysts work independently the team has a strong culture of knowledge-sharing and collective responsibility for delivering high-quality outcomes.

Who are you and what does it take to succeed in this role

Main Responsibilities

Perform qualitative analysis of paymentbehavioracross the credit portfolio including pre-collections andcollection
Drive continuous improvement of early and late delinquency management through proactive analytics andA/B-testing
Produce analytical material to support decision-making in relevant forums
Write business and analytical requirements for system implementations where relevant
Support Business-to-Consumer withanalyticsand insights including forecasting and scenario testing
Actively contribute to task prioritization together with other analysts andyourmanager

Requirements & Qualifications

University degree in a highly technical or numerate subject such as Mathematics Physics Engineering or Economics
Preferably 2years of experience in credit risk analyticsworking withunderwriting strategies and portfolio managementincluding collections within consumer financeinthe Nordic markets (SE NO FI)
Experience fromthe pre-collection and collection area within consumer finance will be considered a same goes forexperience frommultiple organizations.
Strong experience with analytical tools and software such as SQL SAS Python or similar
Excellent communication skills with the ability to collaborate effectively with other departments senior management and external partners
A data-driven analytical mindset combined with strong expert judgement to ensure sound credit risk practices

Personal Characteristics

Very stronganalytical capabilities
Strong communicationskills both verbal and written inEnglish and preferablySwedishor Norwegian
Self-driven and proactive
Forward-leaning mindset with a desire to make an impact and get things done
High levelof responsibility clear ownership of tasks and proactive follow-through
High integrity and strong professional ethics

Questions andApplication

Please submit your application no later thanMarch 8 made on an ongoing basis and the position may be filled before the final application dateIf you have any questionsregardingthe position you are welcome to contactSusanne Thoresen Head of Credit Risk Analytics via email:

About Avida and the workplace

Avida is a specialist provider of credit cards and consumer loans as well as financing solutions for small and medium-sized companies. We deliver a seamless customer experience combining strong digital solutions with personal service for customers in Sweden Norway and 2024 Avidaison a transformative and exciting journey. Through the acquisition of Santander Consumer Banks credit card operations in Sweden and Norway as well as sales finance operations in partnership withElkjøpin Norway andElgigantenin Sweden Avida has welcomed approximately500000 new private customers. This marks a significant step in our growth and long-term development.

Avida is arelatively smallorganization with a flat structure currently in a strong phase of change and development following a challenging period. This creates a unique opportunity for individuals who want to make a real impact and actively contribute to shaping the companys future.

Avida has 160 employees and its headquarters in Stockholm with offices in Oslo Helsinki and Stavanger.

Required Experience: